Small and Medium Enterprise (SME) Loans

MARUHAN Japan Bank Lao, incorporated and licensed in Lao PDR, was inaugurated in 2013 to support the strong mutual financial ties between Japan and the ASEAN countries and contribute to the economic growth and development of the region. We are setting new standards in the Laotian banking industry using a mixture of innovation and foreign experience to deliver unparalleled standards of service, performance and global reach. The Bank officers the following SME Loans products as below

Short-term Loan is a loan scheduled to be repaid in less than a year is mainly aimed to support cash flows and liquidity in growing businesses, especially operation expenses: purchasing raw materials, equipment or wages, etc.

Medium-term Loan is a loan, where repayments are made over a period of between one and five years, is aimed to support working capital revolving and liquidity to business operations, such as purchasing raw materials, equipment or wages, etc.

At MARUHAN Japan Bank Lao, we also offer overdraft services that can provide a short-term support for your business in times of cash flow difficulties, when additional working capital is required for business development or even to help consolidate existing debts.

 

DescriptionA loan scheduled to be repaid in less than a year is mainly aimed to support cash flows and liquidity in growing businesses, especially operation expenses: purchasing raw materials, equipment or wages, etc.
Benefits
  • Keep supporting Liquidity in Business Operations
  • Fast funding to support your needs to pay off
  • Low interest rate
  • Can repay a loan in installments to suit your income
Types of LoansTerm Loans and Overdraft
Currency LendingLAK, USD, THB (depending on currency of borrowers’ income)
Loan SizesThe size of the loan allowed depends on your needs, the ability to grow your revenues, collateral value and considerations from the bank.
Interest Rates p.aTo be decided based on the bank's evaluation.
Requirements
  • Well business management and operating
  • Skilled and knowledgeable main business decision maker
  • At least 2 years of business establishment
  • Good repayment history (if any)
  • Stable income sources with their transactions via banks or all receipts are available.
  • Individuals or corporations who are honest and residing in Lao PDR
  • Reasonable collaterals
Loan DocumentationLoan Application and list of document requirement is available at MJBL Office

DescriptionA loan where repayments are made over a period of between one and five years is aimed to support working capital revolving and liquidity to business operations, such as purchasing raw materials, equipment or wages, etc.
Benefits
  • Keep supporting Liquidity in Business Operations
  • Raise Capital and deal with Competitions
  • Possible Revenue Growth by increasing investments
  • Low Interest Rate
  • Split Repayments can be made over a period, based on Borrowers’ Cash Inflows
Types of LoansTerm Loans
Currency LendingLAK, USD, THB (depending on currency of borrowers’ income)
Loan Sizes
  • The size of the loan allowed depends on your needs, the ability to grow your revenues, collateral value and considerations from the bank
  • Duration: 1 - 5 years
Interest Rates p.aTo be decided based on the bank's evaluation
Requirements
  • Well business management and operating
  • Skilled and knowledgeable main business decision maker
  • At least 2 years of business establishment
  • Good repayment history (if any)
  • Stable income sources with their transactions via banks or all receipts are available.
  • Individuals or corporations who are honest and residing in Lao PDR
  • Reasonable collaterals
Loan DocumentationLoan Application and list of document requirement is available at MJBL Office

DescriptionAt MARUHAN Japan Bank Lao our overdraft services can provide short term support for your business in times of cash flow difficulties, when additional working capital is required for business development or even to help consolidate existing debts.
  • Interest rates are calculated based on the overdrawn amount at the end of each day and are charged to the account at the end of each month.
  • Up to 12-month repayment terms, renewable on a yearly basis. Renewals are discretionary and subject to an annual credit review and assessment conducted by MARUHAN Japan Bank Lao.
Benefits
  • Ideal resource for short term business financing.
  • You pay interest only on the amount drawn.
  • A simple and easy to understand loan application process and a dedicated and highly trained Credit Officer assigned to your account to guide you through every step of the application process, and beyond.
  • For maximum speed and convenience, our Credit Officer can visit you at your home or office to discuss your financial and banking requirements.
Types of LoansOverdraft
Currency LendingLAK, USD, THB (depending on currency of borrowers’ income)
Loan Sizes
  • Depending on considerations from the bank.
  • No minimum and maximum amount. Overdraft limits are agreed depending on each customer's requirements and repayment capacity.
  • Duration: Year by year review
Interest Rates p.aTo be decided based on the bank's evaluation
Requirements
  • Well business management and operating
  • Skilled and knowledgeable main business decision maker
  • At least 2 years of business establishment
  • Good repayment history (if any)
  • Stable income sources with their transactions via banks or all receipts are available.
  • Individuals or corporations who are honest and residing in Lao PDR
  • Reasonable collaterals
Loan DocumentationLoan Application and list of document requirement is available at MJBL Office