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SME Loans in Cambodia 2026: ABA, ACLEDA & All Lenders Compared

MoneyKH Research Team
By MoneyKH Research Team

Last Updated: April 2026  · 
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 ·  By MoneyKH Research Team

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SME loans in Cambodia 2026: ACLEDA Bank holds Cambodia’s largest SME loan portfolio — the result of 30+ years serving Cambodia’s small and medium enterprise sector across all 25 provinces. ABA Bank is the strongest digital-first alternative, with competitive rates from 12–16% per annum and in-app business loan applications that no competitor matches for convenience. For micro-enterprises and informal businesses without formal registration, Prasac MFI and LOLC Cambodia provide access at 18–28% per annum with land-title collateral. The fundamental requirement across all commercial bank SME lending in Cambodia is business registration documentation — specifically the MOC (Ministry of Commerce) certificate and tax patent. Without these, commercial bank SME loans are not accessible regardless of actual business revenue. Foreign-owned businesses can borrow but face stricter requirements including local guarantors or collateral at most institutions.

🇰🇭 SME Loans Cambodia · ACLEDA · ABA · Collateral · Foreign Business · Rates · 2026

SME Loans in Cambodia 2026: ACLEDA vs ABA vs MFIs — Rates, Documents & Verdict

Cambodia’s SME loan market spans from ACLEDA Bank’s 30-year institutional track record to ABA Bank’s mobile-first business lending — and down to MFI loans for businesses that cannot yet meet formal bank requirements. This guide tells you which lender fits your business profile, what documentation you actually need, and how to maximise your approval chances in 2026.

⭐ Largest SME portfolio: ACLEDA Bank — 30 years, all 25 provinces
⭐ Best digital SME experience: ABA Bank — in-app, from 12% p.a.
⭐ Best for micro-enterprise: Prasac / LOLC — 18–28% p.a., land title
⚠️ Key requirement: MOC registration + tax patent for commercial banks

← Personal Loans Guide

ACLEDA

Cambodia’s #1 SME lender by portfolio. 30+ years. 250+ branches. All 25 provinces covered.

12%

ABA Bank business loan starting rate p.a. — best available rate for registered businesses with clean books.

MOC

Ministry of Commerce registration certificate — the non-negotiable document for any commercial bank SME loan.

$500K+

Maximum SME loan amount available from ACLEDA Bank for well-collateralised medium enterprises with strong financials.

Land

A hard title land certificate is the strongest collateral in Cambodia’s SME lending market — unlocks largest amounts and lowest rates.

⚡ MoneyKH Quick Reference — SME Loans Cambodia 2026

What Counts as an SME in Cambodia? — The Official Definition

Before approaching any lender, it is worth understanding how Cambodian financial institutions and regulators define an SME — because your classification affects which loan products you can access and on what terms.

The National Bank of Cambodia and the Ministry of Economy and Finance use the following size classifications for Cambodian businesses:

Business Type Employees Annual Turnover Total Assets Typical Loan Access
Micro-enterprise 1–10 <$50,000 <$50,000 MFI loans · Some bank micro-products
Small enterprise 11–50 $50K–$500K $50K–$500K ABA · ACLEDA · Wing Bank SME products
Medium enterprise 51–100 $500K–$3M $500K–$3M Full commercial bank lending · ACLEDA · Maybank · ABA
Large enterprise 100+ $3M+ $3M+ Corporate banking · Syndicated lending · Maybank · Foreign banks

Practical note on business classification

Most Cambodian businesses that approach banks for loans are small enterprises — 11 to 50 employees with turnover between $50,000 and $500,000. If your business is below $50,000 annual revenue and has fewer than 10 employees, you are in the micro-enterprise segment — which is largely served by MFIs rather than commercial banks. If you fall in this bracket and want commercial bank access, the fastest path is getting MOC registration and maintaining formal business bank statements for 12 months, then reapplying to ABA or ACLEDA’s small business lending desk.

SME Loans Cambodia 2026 — Full Lender Comparison

Lender Rate (p.a.) Max Amount Max Term MOC Required Collateral SME Strength
🏆 ACLEDA Bank 13–18% ⭐ $500,000+ 120 months ✅ Yes Land/property Largest portfolio · All provinces · Agricultural SME leader
ABA Bank 12–18% ⭐ $200,000+ 84 months ✅ Yes Optional below $30K Digital-first · Best rate · Urban SME · In-app process
Canadia Bank 14–20% $500,000 120 months ✅ Yes Required Property-backed · FD pledge · Established businesses
Maybank Cambodia 13–18% $1,000,000+ 120 months ✅ Yes Required Medium-large SME · ASEAN trade finance · Structured deals
Wing Bank 14–22% $50,000 48 months Preferred Optional small Wing account users · Mobile-first · Smaller amounts
Prasac MFI ⚠️ 18–26% $100,000 84 months ❌ Not required Land title Informal micro-SME · Rural · No formal registration
LOLC Cambodia ⚠️ 20–28% $50,000 60 months ❌ Not required Land title Rural micro-enterprise · Agriculture · No formal docs

All rates verified April 2026. Individual rates depend on business profile, financials, collateral, and relationship with lender. ⚠️ MFI loans carry a different regulatory framework and significantly higher cost. See our Microfinance Loans guide → for a full MFI assessment.

ACLEDA Bank SME Loan 2026 — Cambodia’s Market Leader

ACLEDA Bank’s position as Cambodia’s dominant SME lender is not a marketing claim — it is a structural fact earned over 30 years of on-the-ground business lending across all 25 provinces. Originally established as a microfinance NGO in 1993 before converting to a commercial bank in 2000, ACLEDA’s institutional DNA is small business lending in a way that no other commercial bank in Cambodia can match from experience alone.

ACLEDA’s advantages for SME borrowers are specific and verifiable: the widest branch network of any bank in Cambodia (250+) means a Kampong Speu garment manufacturer, a Siem Reap guesthouse operator, and a Battambang rice trader all have an ACLEDA branch physically near them. Its loan officers have sector-specific experience in agriculture, garments, trade, and services — not generic credit templates applied uniformly.

✅ ACLEDA SME Loan — Key Terms

  • Rate: 13–18% p.a. (reducing balance)
  • Maximum amount: $500,000+ for well-collateralised medium enterprises
  • Maximum term: 120 months (10 years) for property-secured loans
  • Working capital lines: Overdraft facilities available for established businesses
  • Agricultural loans: Seasonal repayment structures available
  • Currency: USD and KHR
  • Processing fee: 1–2% of loan amount
  • Collateral: Land title preferred; receivables and equipment accepted in some cases

💼 ACLEDA SME — What Makes It Different

  • Agricultural lending expertise: Seasonal loan structures that match harvest cycles — unique among commercial banks
  • Provincial loan officers: Business lending staff in all 25 provinces with sector knowledge
  • CSX-listed: Public company accountability — regulated to a higher standard than private banks
  • Longer maximum terms: 10-year property-secured SME loans are rare — ACLEDA offers them
  • Trade finance: Letters of credit and import/export financing for trading businesses
  • Relationship banking: Established ACLEDA customers typically receive better terms on renewal

ACLEDA SME Loan: Industry Sector Strengths

🌾

Agriculture

Seasonal loan structures. Crop cycle repayment. Rice, cassava, cashew, rubber. Strongest agricultural SME lender in Cambodia.

🏭

Manufacturing

Garment factories, food processing, light manufacturing. Equipment financing. Working capital lines for order fulfilment.

🏪

Trade & Retail

Import/export traders, market vendors, retail shops. Letters of credit. Inventory financing. ACLEDA’s largest SME segment by volume.

🏨

Tourism & Services

Guesthouses, restaurants, tour operators. Property-backed hospitality loans. Growing in Siem Reap, Sihanoukville, Kampot.

ABA Bank Business Loan 2026 — Best Digital SME Experience

ABA Bank’s SME lending product is the best in Cambodia for urban, digitally-oriented small businesses with clean registration documentation. Where ACLEDA wins on provincial reach and agricultural depth, ABA wins on application speed, digital process, and the convenience that comes from having 8M+ individual customers who are also business owners.

ABA’s business loan starting from 12% per annum — matching or edging below ACLEDA in some cases — combined with an in-app application process that dramatically reduces the friction of loan origination makes it the first port of call for any Phnom Penh or Siem Reap business with proper registration and 12+ months of ABA business account history.

✅ ABA Business Loan — Key Terms

  • Rate: 12–18% p.a. (reducing balance) — lowest for urban SME
  • Maximum: $200,000+ (secured); smaller unsecured amounts available
  • Term: Up to 84 months for secured business loans
  • Working capital: Revolving credit facility for established businesses
  • Overdraft: Business overdraft available linked to ABA account
  • Application: ABA Mobile app + branch for documentation
  • Approval: 5–10 business days for complete applications
  • Currency: USD primary, KHR available

⚠️ ABA Business Loan — Limitations

  • Branch footprint smaller than ACLEDA in provincial areas
  • Less experienced than ACLEDA in agricultural sector lending
  • Maximum amounts for larger SMEs can be lower than ACLEDA
  • Business account history with ABA helps materially — harder for non-ABA customers
  • Documentation requirements are strict — informal businesses not served

MoneyKH ABA Business Loan Verdict

For urban Cambodia registered businesses with clean documentation and a history of ABA banking: ABA is the first stop. The rate is competitive (from 12% p.a.), the digital process is Cambodia’s most convenient, and the in-app loan tracking experience is unmatched. For provincial businesses or agriculture-adjacent SMEs: ACLEDA’s deeper sector knowledge and wider branch presence makes it the stronger choice even if its headline rate is marginally higher.

MFI Loans for Micro-Enterprise 2026

Prasac MFI, LOLC Cambodia, AMK, and other MFIs serve the segment of Cambodia’s business community that falls below commercial bank documentation thresholds. This is not a small segment — a significant proportion of Cambodia’s working economy operates in the informal sector, and MFIs provide the only formal credit access many of these business owners can access.

⚠️ The MFI Cost Reality for SME Borrowers

A $20,000 business loan at Prasac MFI at 22% p.a. over 36 months costs approximately $7,400 in interest. The same loan at ABA Bank at 14% p.a. costs approximately $4,600. The $2,800 difference is a real business cost — equivalent to a month’s wages for several staff members. MFI loans are justified when commercial bank access is genuinely unavailable. They are not justified when a business could qualify for a commercial bank loan with some documentation preparation.

✅ When MFI Lending Makes Sense for Business

  • No MOC registration and timeline to get it is 6+ months
  • Revenue is cash-based with no formal bank statement trail
  • The business is in a rural province with no ABA branch nearby
  • The loan is secured by a land title and amount is under $50,000
  • The business has been declined by both ABA and ACLEDA
  • The loan ROI is demonstrably higher than the 22–28% interest cost

MoneyKH Strategic Advice on MFI vs Bank Loans

If your business currently uses MFI financing at 20%+ p.a., treat commercial bank eligibility as a business goal — not a distant aspiration. The pathway is clear and typically achievable within 12–18 months: get MOC registration (3–4 weeks), open a business bank account at ABA or ACLEDA, run all revenue through that account for 12 months to create a bank statement trail, file a tax patent, and then apply for a commercial bank SME loan. The rate reduction from 24% to 14% p.a. on a $30,000 loan over 5 years saves approximately $15,000 in interest — more than enough to justify the preparation effort.

Collateral for SME Loans in Cambodia — Complete Guide

Collateral is the most important factor determining how much you can borrow, at what rate, and from which lender. Understanding Cambodia’s collateral landscape is essential for any business owner approaching a bank for a loan.

Collateral Types — Ranked by Lender Preference

🥇 Hard Title Land

STRONGEST · All lenders accept

A “hard title” (cadastral title) land certificate is Cambodia’s gold standard collateral. Banks typically lend 60–75% of the assessed land value. A plot assessed at $100,000 can support a $60,000–$75,000 loan. Lowest interest rates and longest terms available.

🥈 Fixed Deposit Pledge

STRONG · Best at same bank

Pledge your existing fixed deposit as collateral. The bank lends 90–100% of FD value at a margin of 3–5% above your FD rate. Easiest approval — the bank already holds the security. You continue earning FD interest while the loan is outstanding. Ideal pathway for businesses with FD savings.

🥉 Commercial Property

GOOD · Major banks accept

Shops, warehouses, office units, and business premises. Banks lend 50–70% of assessed value for commercial property. Must have a clean title and no existing mortgage. Valuation conducted by the bank’s appointed surveyor at your cost (typically $200–$500).

⬇️ Equipment / Vehicles

WEAKER · Limited acceptance

Machinery, vehicles, and equipment are accepted by some lenders but at steep haircuts (30–50% of value) and shorter loan terms. Depreciation risk makes banks conservative. Most useful as supplementary collateral alongside land rather than as standalone security.

The Land Title Issue — “Soft Title” vs “Hard Title”

One of the most important distinctions in Cambodia’s SME lending market is the difference between a “hard title” (cadastral title or LMAP title) and a “soft title” (possessory title or village chief letter). Most commercial banks — including ABA and ACLEDA — require a hard title for property collateral. A soft title is accepted by some MFIs but typically not by commercial banks, and at a significant valuation discount even when accepted.

If you only have a soft title

You have two paths: convert your soft title to a hard title through the cadastral process (cost: $200–$1,500 depending on plot size and location; time: 3–12 months), or approach an MFI that accepts soft-title collateral at a higher interest rate. MoneyKH’s recommendation: invest in the title conversion first if you plan to borrow more than $30,000 — the rate savings will recoup the conversion cost within the first year of a commercial bank loan.

Documents Required for an SME Loan in Cambodia

The document list below represents the standard requirements for a commercial bank SME loan application. Having all documents ready before approaching a bank is the single most effective way to accelerate your approval and avoid repeated branch visits.

📋 Business Documents (All Banks)

  • MOC registration certificate — Ministry of Commerce business registration
  • Tax patent — current year tax registration from GDT
  • Business bank statements — 12 months (ABA or ACLEDA preferred)
  • Company articles of association (if incorporated)
  • Audited financial statements — 1–2 years (larger loans)
  • Business plan — for new businesses or expansion loans
  • Trade licence — if applicable to your sector
  • List of major customers / suppliers (may be requested)

👤 Personal Documents (Directors / Owners)

  • National ID or passport — all directors and major shareholders
  • Personal bank statements — 6–12 months
  • Personal tax returns — if applicable
  • Guarantor documents — ID, bank statements, employment letter if applicable
  • Collateral documents:
  • — Land title certificate (hard title)
  • — Property valuation report
  • — FD certificate (if FD pledge)
  • Marriage certificate — if collateral is jointly owned

The MOC + Tax Patent Combination — Why It’s Non-Negotiable

Every commercial bank SME loan in Cambodia requires both the MOC registration certificate AND the current-year tax patent. These two documents together confirm that the business is legally registered and tax-compliant — the baseline due diligence any bank loan officer needs to process an application. The MOC registration takes 3–4 weeks and costs approximately $200–$400. The annual tax patent costs $50–$200 depending on business size. If you do not have these, your first step is getting them — not approaching a bank. Without them, no commercial bank will process your SME loan application regardless of how strong your actual business performance is.

Foreign-Owned Business Loans in Cambodia 2026

Foreign-owned businesses can access SME loans in Cambodia — but the requirements are materially stricter than for Cambodian-owned businesses, and the practical options are narrower. The primary structural challenge is that most banks view foreign business owners as higher credit risk due to the possibility of departure, and require additional security to offset this perceived risk.

Bank Foreign Business Eligible? Key Additional Requirements
ABA Bank ⚠️ Case-by-case MOC registration with foreign ownership, full collateral (land title or FD), local Cambodian guarantor often required, minimum 2 years Cambodia business operations.
ACLEDA Bank ⚠️ With collateral Strong collateral is the primary pathway. Land title in Cambodia required. Local Cambodian co-director or guarantor may be required. Branch manager discretion applies.
Maybank Cambodia ✅ Most accessible Most experienced with ASEAN foreign business profiles. Proper incorporation, audited accounts, and strong collateral. Trade finance for import/export businesses well-supported.
Canadia Bank ✅ FD-secured Foreign business owners holding Canadia FD can pledge it as collateral — clearest pathway. Lend against FD at spread above deposit rate with minimal additional documentation needed.

MoneyKH Practical Advice for Foreign Business Owners

Strongest pathway: If you hold a fixed deposit at Canadia Bank, pledge it as loan collateral — this requires minimal additional documentation and approval is straightforward. Second pathway: Approach Maybank Cambodia with your company incorporation documents, 2+ years audited accounts, and property collateral. Maybank’s ASEAN orientation makes it more comfortable with foreign business owners than most local banks. What makes foreign business loan applications stronger: Cambodian land title as collateral (the bank’s strongest security), local Cambodian director or guarantor who can sign a personal guarantee, 3+ years Cambodia business history shown in formal accounts, and a primary business banking relationship already established at the lending bank for 12+ months.

SME Loan Types in Cambodia — Choosing the Right Structure

One of the most common errors Cambodia’s SME borrowers make is taking a term loan when they need a working capital facility, or vice versa. The loan structure matters as much as the rate — an incorrectly structured loan costs more and creates cash flow problems that a well-structured loan avoids entirely.

📅 Term Loan

Best for: capital expenditure, equipment, property

Fixed amount disbursed upfront. Fixed monthly repayments of principal plus interest. Clear end date. Lower rate than revolving facilities. Use for: buying equipment, expanding premises, vehicle purchase, construction.

Available at: ABA, ACLEDA, Canadia, Maybank

🔄 Working Capital / Overdraft

Best for: inventory, receivables, cash flow gaps

Revolving credit facility up to an approved limit. Draw down and repay as needed. Interest charged only on amount drawn. Higher rate than term loans typically. Use for: purchasing inventory, bridging payment gaps, seasonal cash flow management.

Available at: ABA, ACLEDA (for established customers)

🌾 Seasonal / Agricultural

Best for: crop cycles, harvest finance, seasonal trade

Loan disbursed at planting season; full repayment at harvest. Repayment schedule aligned to cash flow cycle rather than monthly. Only available from ACLEDA Bank and some MFIs. Unique to Cambodia’s agricultural economy — no other bank structures these well.

Available at: ACLEDA Bank exclusively among major banks

MoneyKH Loan Structure Recommendation

Buying equipment or expanding premises: Term loan — fixed repayments match fixed assets. Managing inventory or receivables: Working capital facility — you only pay interest on what you use. Agricultural business: ACLEDA’s seasonal structure — nothing else fits your cash flow. Combination: Many established businesses run both a term loan (for fixed assets) and an overdraft facility (for daily working capital) simultaneously — this is standard practice in Cambodia’s commercial banking market and is efficient when structured correctly.

FAQ: SME Loans in Cambodia 2026

Q: Which bank has the best SME loan in Cambodia in 2026?

For urban registered businesses in Phnom Penh and major cities: ABA Bank, with rates from 12 percent per annum and the most convenient digital application process. For provincial businesses and agricultural SMEs: ACLEDA Bank, with Cambodia’s largest SME portfolio, deepest sector expertise, and the only commercially structured seasonal agricultural loans among major banks. The choice between ABA and ACLEDA comes down to location and sector: ABA for digital and urban, ACLEDA for provincial and agricultural. Both are significantly better than MFI alternatives at their respective rate levels.

Q: What documents do I need for an SME loan in Cambodia?

The two non-negotiable documents for any commercial bank SME loan are the Ministry of Commerce (MOC) business registration certificate and the current-year tax patent from the General Department of Taxation. Beyond these, banks require 12 months of business bank statements, a National ID or passport for all directors, collateral documents (land title being the strongest), and for larger loans, audited financial statements for 1 to 2 years. The MOC takes approximately 3 to 4 weeks to obtain and costs 200 to 400 USD. Without both the MOC and tax patent, no commercial bank will process an SME loan application.

Q: Can a foreigner get a business loan in Cambodia?

Yes, but requirements are stricter than for Cambodian-owned businesses. Most banks require full property collateral (a hard-title land certificate in Cambodia), 2 or more years of Cambodia business operations, a local Cambodian guarantor or co-director, and properly incorporated company documentation. Maybank Cambodia is the most accessible lender for foreign business owners due to its ASEAN orientation. The simplest pathway for a foreign business owner with an existing fixed deposit is to pledge it as collateral at Canadia Bank — this requires minimal additional documentation and approval is more straightforward than an unsecured business loan application.

Q: How much can an SME borrow in Cambodia?

Maximum SME loan amounts are primarily determined by collateral value. ACLEDA Bank and Canadia Bank will lend up to 500,000 USD and above for well-collateralised medium enterprises with strong financial documentation. ABA Bank can reach 200,000 USD and above for secured business loans. For smaller SMEs without strong collateral, the practical maximum at commercial banks typically ranges from 30,000 to 80,000 USD for unsecured or lightly-secured lending. MFIs cap at lower amounts — Prasac at approximately 100,000 USD, LOLC at approximately 50,000 USD. Your individual maximum is limited by the assessed value of your collateral and your debt-service capacity relative to verified business revenue.

Q: What is the best collateral for a Cambodia SME loan?

A cadastral (hard title) land certificate is Cambodia’s strongest loan collateral — accepted by all commercial banks at a loan-to-value ratio of 60 to 75 percent of assessed value. A fixed deposit pledge at the same bank is the second-strongest option, enabling lending of 90 to 100 percent of FD value with minimal approval friction. Commercial property is accepted by major banks at 50 to 70 percent of assessed value. Equipment and vehicles are accepted at steep discounts (30 to 50 percent) and are best used as supplementary collateral only. A soft-title land document is only accepted by MFIs — commercial banks require hard titles for property collateral.

Q: What is the difference between a term loan and a working capital facility for SMEs?

A term loan provides a fixed sum upfront, repaid in regular instalments over a set period — best for capital expenditure like equipment purchase, vehicle acquisition, or property improvements. A working capital facility (overdraft) provides a revolving credit line up to an approved limit — you draw down and repay as needed, paying interest only on the amount actually used. Working capital facilities cost slightly more in rate terms but are significantly more efficient for inventory financing, bridging payment timing gaps, and managing seasonal cash flow. Established businesses often run both simultaneously: a term loan for fixed assets and an overdraft for daily working capital management.

Q: What is the MOC registration and how do I get it?

The Ministry of Commerce (MOC) registration certificate is Cambodia’s formal business registration document — equivalent to company registration in other countries. It is the primary document proving that your business legally exists. To obtain it: register your business name at the Ministry of Commerce in Phnom Penh or at a provincial commerce department office, provide the required documents (ID, proposed business name, business type, company structure), and pay the registration fee of approximately 200 to 400 USD. Processing typically takes 3 to 4 weeks. After receiving your MOC certificate, you must register for a tax patent with the General Department of Taxation — this second registration is also mandatory for commercial bank SME loan applications.

Q: Does ACLEDA Bank really have the best SME loan for agricultural businesses?

Yes, by a significant margin. ACLEDA Bank is the only major commercial bank in Cambodia that structures agricultural business loans with seasonal repayment schedules — where the loan is drawn at planting time and the full repayment is made at harvest rather than in monthly instalments. This structure eliminates the cash flow problem that monthly-repayment agricultural loans create: a farmer cannot make equal monthly payments when all revenue arrives at harvest. No other commercial bank offers this structure. Prasac MFI and LOLC also provide agricultural lending, but at rates of 18 to 26 percent compared to ACLEDA’s 13 to 18 percent — a material cost difference over a 1 to 2 crop cycle loan term.

Q: How long does SME loan approval take in Cambodia?

ABA Bank typically approves SME loans in 5 to 10 business days for complete applications with clean documentation and an existing ABA business account. ACLEDA Bank takes 7 to 14 business days for standard SME loans, longer for larger or more complex applications requiring credit committee review. Collateral valuation — if the bank appoints its own surveyor — adds 3 to 7 business days to any timeline. Having all documents prepared before submission is the most effective way to minimise delays. Missing documents — particularly the MOC certificate, tax patent, or 12 months of bank statements — are the most common cause of application delays and rejections.

Q: Is it better to borrow from the same bank where I hold my business account?

Yes, in almost every case. Cambodian banks — like banks everywhere — offer materially better loan terms to established customers whose business cash flow they can see directly in their bank statements. Running your primary business revenue through your lending bank’s account for 12 months before applying demonstrates income, builds a credit relationship, and gives loan officers confidence in your cash flow that a third-party bank statement cannot provide equivalently. If you are planning to apply for an SME loan in the next 12 to 18 months, open a business account at ABA Bank or ACLEDA Bank now and route your primary revenue through it — the documentation advantage at loan application time will be significant.

MoneyKH Summary — SME Loans Cambodia 2026

Get registered. Pick the right bank for your sector. Borrow at bank rates, not MFI rates.

ACLEDA Bank leads Cambodia’s SME lending market by portfolio size and provincial reach — especially for agricultural and rural SMEs. ABA Bank is Cambodia’s best digital business lender for urban SMEs with formal registration. The non-negotiable first step is MOC registration and tax patent — without them, no commercial bank will process your application. A hard title land certificate is the strongest collateral. And if you currently borrow from an MFI at 20%+ p.a.: invest in formalisation now. The rate difference over 5 years is a transformation-level business cost saving.

Urban SME: ABA Bank ⭐  ·  Provincial / Agriculture: ACLEDA ⭐  ·  Foreign business: Maybank ⭐  ·  MFI only if bank-ineligible

MoneyKH — Cambodia’s Independent Finance Authority

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Published by the MoneyKH Research Team. Last updated: April 2026. All SME loan rates and terms verified April 2026 via direct inquiry with each institution. Rates are indicative — your individual rate depends on business profile, financials, and collateral. This guide does not constitute financial advice. MoneyKH operates as an independent comparison platform with no affiliate partnerships and receives no referral fees from any lender — see our full disclaimer.

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