Loan to Rice Sectors Players

• Working capital loan from 50,000 USD
• Investment loan size up to 5,000,000 USD

• Short term loan: less than 1 year
• Long term loan: up to 10 years

• 5% per annum

• Monthly interest payment and
• Make principal payment when taking rice out from rice, corn and other agricultural products inventory warehouse or make principal payment at the end of time

• Rice, corn and other agricultural products inventory or debt-guarantee certificate from buyer or exporter

• Can make principal payment before maturity date without penalty
• Can get loan up to 70% of rice, corn, and other agricultural products inventory, or that of debt-guarantee certificate from buyer or exporter (for working capital)
• Can get 3-years grace period for investment loan

• Khmer ID and ​family book (copy)
• Income-Expense information and business plan
• Have business experiences at least 2 years
• Business owner for either individual or shall register business and get permission from law and regulations of related authorities
• Rice warehouse has storage capacity at least 3,000 tons
• Rice drying facility has capacity at least 50 tons per day
• Warehouse has enough equipment such as forklift, Bulldozer, etc.,
• Collateral as fragrant rice, neang khon, corn, or other agricultural products as appropriate quantity and technician
• Have fire insurance for rice, corn, or other agricultural products, in which have minimum cost equal to amount of borrowing from ARDB

For investment loan

• Khmer ID and ​family book (copy)
• Land title as collateral ​
• Income-Expense information and business plan
• Have company registration certificate or license for business and exporting (copy)
• Warehouse can store rice at least 50,000 tons
• Rice drying facility with capacity at least 500 to 1,000 tons per day
• Have business experience at least 5 years for more than 5 years
• Have appropriate land for constructing drying facility and warehouse, around 3-5 hectors