Retail Loan

For shops and traders

General Retail Loan – Quick Cash

A fast and flexible financing solution tailored to meet small business needs.

Loan features
Feature	Details
Maximum loan amount	Up to LAK 100 million
Loan term	1 to 5 years
Interest rate	15% per annum
Approval fee	1% of the approved loan amount
Early settlement fee	Up to 3% of the outstanding loan amount
Restructuring / renewal fee	1% of the loan amount
Collateral appraisal fee	LAK 300,000 per asset
Loan extension or renewal	Subject to the above fees and conditions

Individual borrowers must be between 20 to 60 years old, or registered legal entity.
The business must be legally registered and operate in compliance with regulation of the Lao PDR.
The business must have been in operation for at least 2 years.
Business must generate sufficient income to meet repayment obligations (based on DSCR criteria).
The borrower must meet the bank’s credit assessment standards.
Acceptable collateral must be provided (e.g., land, property with buildings, or time deposits).
The applicant must pass CIB and KYC checks in accordance with bank policies.
Additional conditions may apply, subject to the Bank’s internal regulations.

Business