Finance Your Business & International Trade

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Finance Your Business & International Trade

KBZ Bank provides Financial solutions to meet your business needs and ensure your business runs smoothly and achieve sustainable growth.

Loans
Trade Finance

What We’re Offering –

Loans services

Loans and credits to support your business from current needs, medium and future plan and growth.

SME Term Loan

For Capital Financing to purchase for Fixed Assets

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SME Overdraft (OD)

For the purpose of working capital requirement for short term liquidity

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JICA Two Steps Loan – JICA TSL

The fund provided by JICA, as government agent from the ODA Loan Program between Japan & Myanmar.

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Contract Financing

Tailored Financial Solutions for Tender-Awarded Businesses

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Required Documents

Business license form, a valid license issued by the relevant minstry must be submitted together.
Company registration form, Export & Import License, Company Extract from DICA, BOD Resolution, Company Profile (for exceptional case)
Receipts of income tax for the last 3 years (if applicable)
Financial statements for the last 3 years

Personal’s Documents

Copy of National ID
Household registration
Letter of Recommendation clearly stating that you are living in shared quarters
Guarantee that you are single if you are single
Divorce papers and papers proving you aren’t marrying any time soon

For Business

The business presented for the loan must have at least (2) years of experience.
Must be an operating business.
The person who wants to get a loan must be a self-employed business.Must have a valid business license issued by relavant Ministry & Department
The place of business must be a land/building(s) owned by him/her on a long-term lease (the lease term must be at least (2) years remaining
Income tax must have been paid on the profit of the business at least (3) years.

For Collateral

The land is owned by the applicant.
Freehold land
Grant land {years (10), (20), (25), (30), (60) and (90)}
Lana-39 land
3-B land
30-A/30-B (Must have a commercial building

For Personal

Must be able to repay for principal and pay for interest as proposed loan tenor.
Must use at KBZ bank as principal bank.
If applied other KBZ Bank’s services e.g Mobile banking, KBZPay, Remittance, Deposit A/C etc. will be advantaged

Rate And Fees

LOANS	SECURED LOAN	UNSECURED LOAN	PENALTY/LATE FEES	SERVICE FEES
SME TERM LOAN	12% p.a	12%~15% p.a	12% p.a	N/A
SME OVERDRAFT (OD)	12% p.a	12%~15% p.a	12% p.a	N/A
JICA TWO STEPS LOAN – JICA TSL	5.5% p.a	5.5%~12% p.a	12% p.a	N/A
Contract Financing	N/A	14% p.a	5% p.a	1% p.a

Frequently Asked Questions

Yes. But it is necessary to present a 3-year financial statement when the business operation term is long and its business license is only one-year term.The business with only 1 year formal business license can be applied for a loan if the business has been running for a decent amount of time. Still, the bank requires 3 years of financial statements to analyze.

Yes. those businesses with two-year operations and one-year payable tax, can apply for a loan. For those businesses that have not paid tax yet, they can apply for a loan after paying withholding tax.

No, An SME with minimum 2 year experience is eligible to apply.

Yes, you can still apply for a loan by using CGI (Credit Guarantee Insurance) of Myanma Insurance, instead of providing a collateral.

All businesses can apply for a loan except the following business/person.

Livestock breeders and farmers eligible for borrowing from Myanma Agricultural Development Bank;
Real estate;
Finance and insurance;
Precious metal dealing;
Bars and pubs;
Amusement, entertainment (except for tourism);
Weapons,ammunition;or
Any other sector harmful to the social stability (to be judged by Working Committee)