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Business loan
To support small and medium-sized businesses in Laos with accessible financing to grow operations, purchase inventory, or invest in infrastructure
Overview
To support small and medium-sized businesses in Laos with accessible financing to grow operations, purchase inventory, or invest in infrastructure
Key Features
- Loan amounts from 60.000.000 KIP 600.000.000 KIP
- Interest rates 3.5% flat rate
- Flexible repayment terms form 6 to 18 months
- Loan fee: 5%
- Repayment Mode on Monthly installment
- Disbursement Channel is Direct to BCEL or LDB accounts
Benefits
Fast Approval in 24 hours – Within 3 working days upon full document submissioNo hidden fees – Transparent terms with clear loan statementsFlexible Collateral Options – For small loans, personal guarantor is sufficientTrusted Partner – AnyPay offers free business and financial planning tips via SMS and Facebook groupsBiseness Support – Disbursements via secure banks (BCEL/LDB)Loyalty Rewards – Early repayment discount of 1% interest or eligibility for top-up loan after 6 months
Eligibility Criteria
- Business Activity
- Personal Requirements
- Financial Documentation
- Credit Risk Checks
Required Documents
- Operate a legal and registered business (can be a licensed SME, sole trader, or franchisee)
- Business must be operational for at least 5 months
- Franchise businesses must show an agreement with the parent company
- Lao national aged 18 years or older
- Must provide a valid ID, residential address, and business location
- Not currently involved in any criminal activities
- Must possess good character and repayment capacity
- Submit latest payroll statements (if available)
- Provide basic income and expense report of the business
- Submission of a business license is preferred (optional for informal businesses but may limit loan amount)
- No record of default or blacklist from other institutions.
- Must have guarantor (friend or family) or co-borrower
- Preferably own or have access to collateral (house, land, shop, etc.).
Loan Details
Loan Amount
60,000,000 LAK - 600,000,000 LAK
Interest Rate
2.8% per month - 3.8% per month
Repayment Terms
6 - 18 months
Fees
- Processing Fee3%A one-time fee charged when the loan is disbursed