SME lending is targeted to serving your business purposes covering working capital as well as production capacity expansion through capital expenditure for buildings, plants, machines, and equipments. The Bank will work closely with a corporate client in advising appropriate credit facilities and tenors in alignment with the client’s business nature.
With tenor of up to 1 year, a short-term loan will enhance working capital base and so liquidity of your business. A number of short-term loan options are available to best support your business needs:
Promissory Note (“P/N”).
With maturity of 3 years or over, a long-term loan is aimed for an enterprise’s capital expenditure projects encompassing the following:
Refinancing existing credit facilities with other banks.
Plant and equipment maintenance and expansion.
For investing in real estate, customers could enjoy juristic tax benefits from depreciation and loan interest deduction as per specified law/regulation.
Copy of identification card
Copy of house registration
Copy of name/ surname change certificate (if any)
Copy of marriage certificate (if any)
Personal income tax form
Copy of agreement to sell or to buy or deposit agreement
A schedule of collaterals and related documents
Updated bank statement of at least the past 6 months
>> Juristic Persons
Copies of identification card(s) of the juristic person’s authorized director(s)
Copy of affidavit of the company or limited partnership
Minutes of the shareholders’ meeting and resolutions of the meeting to enter into credit facilities agreement with and/or open an account with the Bank
Updated 3-year historical financial statements of the juristic person
Corporate tax identification card
Corporate income tax form