Finance Your Business & International Trade
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 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.
Rate And Fees
LOANS | SECURED LOAN | UNSECURED LOAN | PENALTY/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.
- 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)
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.

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
What We’re Offering –
Trade Finance services
Trade services to help your business grow internationally.