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.

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

SME Overdraft (OD)

For the purpose of working capital requirement for short term liquidity

JICA Two Steps Loan – JICA TSL

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

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

LOANSSECURED LOANUNSECURED LOANPENALTY/LATE FEES
SME TERM LOAN 10% p.a 10%~14.5% p.a 10% p.a
SME OVERDRAFT (OD) 10% p.a 10%~14.5% p.a 10% p.a
JICA TWO STEPS LOAN – JICA TSL 5.5% p.a 5.5%~10% p.a 10% p.a

Frequently Asked Questions

Although the business operation is long, the business has only one year of official business license. Can such a business still be eligible to apply for a loan?

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.

The business has been running for 2 years, but the tax has been paid only for a year. (In some cases, not even a year.) Is such a business eligible to apply?

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.

Is a Start Up company eligible to apply?

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

Can I still apply for a loan if I don’t have any collateral to provide?

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

What kinds of business can apply for a SME loan?

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

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

How long does it take to receive a loan?

If you can provide complete documents, you will receive the loan within minimum two weeks and maximum one month.

Icon [email protected]

We are here to help our customers anytime. If you have queries regarding the loan services, you may email your query to us.

Process To Apply For The Loan

1. Client to fill “Customer Enquiry Form” at your nearest brach

2. To Provide following information and send email to

“[email protected]“

  • Business Name
  • Business Address
  • Contact Person Name
  • Phone Number
  • Email Address

What We’re Offering –

Trade Finance services

Trade services to help your business grow internationally.

Import Services

Full range of services and finance needs in importing businesses.

Export Services

Full range of services and finance needs in exporting businesses.