SME Loan

The Small and Medium Enterprise Loan (SME) aims to support individuals, companies or enterprises in running or expanding their businesses in all legal sectors, including trade, services, agri-businesses and manufacturing. The loan product targets clients with small to medium size businesses requiring a loan from 40,000,001 riels upward or its equivalent.

LOLC’s Small and Medium Enterprise Loan offers clients a number of key benefits:

  • A reasonable interest rate, calculated based on outstanding balance,
  • Convenient option to apply for and repay loan at nearest LOLC office or any money transfer agents which has been incorporated with LOLC,
  • Flexible loan terms and repayment plan that are catered to your need.


  • Be a majority aged 18 to 65 years old
  • Permanent resident
  • Have a legal business and regular income
  • Have a good record and be reliable
  • Have enough capacity to repay the loan
  • Have ID card, passport, family book, resident book, and/or birth certificate
  • Agree to the loan term & conditions.

Product Features:

The SME loan is designed for adapting to the needs of our clients by allowing several options of repayment mode:

  • Fixed installment (monthly interest and principal repayment),
  • Semi-balloon (monthly interest repayment and the principal repayment based on cash flow analysis and mutual agreement),
  • Annuity, or
  • Flexible annuity.
Currency Loan Size Interest Rate Loan Term
KHR from 40,000,001 upward reasonable interest rate 3 – 120 months
USD from 10,001 upward reasonable interest rate 3 – 120 months
THB from 400,001 upward reasonable interest rate 3 – 120 months


Loan approval fee is charged 1% - 2% per cycle.

LOLC reserves the right to change any terms and conditions without prior notice

Prohibited Activities of LOLC (Cambodia) Plc.

  1. Production or trade in any product or activity deemed illegal under host country laws or regulations or international conventions and agreements, including without limitation host country requirements related to environmental, health and safety and labor aspects.
  2. Production or trade in weapons and munitions.
  3. Production or trade in alcoholic beverages (excluding beer and wine).
  4. Production or trade in tobacco.
  5. Gambling, casinos and equivalent enterprises.
  6. Trade, production, breeding or possession of animals, plants or any natural products in breach of the provisions of CITES*.
  7. Production or trade in radioactive materials.
  8. Production or trade in or use of unbonded asbestos fibers.
  9. Commercial logging operations or purchase of logging equipment for use in primary tropical moist forest.
  10. Production or trade in pharmaceuticals subject to international phase outs or bans.
  11. Production or trade in pesticides/herbicides subject to international phase outs or bans.
  12. Drift net fishing in the marine environment using nets in excess of 2.5 km. in length.
  13. Production or activities involving harmful or exploitative forms of forced labor/harmful child labor.
  14. Production or trade in products containing PCBs **.
  15. Production or trade in ozone depleting substances subject to international phase out.
  16. Production or trade in wood or other forestry products from unmanaged forests.
  17. Production, trade, storage, or transport of significant volumes of hazardous chemicals, or commercial scale usage of hazardous chemicals. Hazardous chemicals include gasoline, kerosene, and other petroleum products.
  18. Production or activities that impinge on the lands owned, or claimed under adjudication, by Indigenous Peoples, without full documented consent of such peoples.
  19. Business activities that could cause the land dispute, land loss, the loss of land possession, land use restriction, not allowing for residential enjoyment or other business operations thereon, and business activities that could cause evacuation and involuntary resettlement.
  20. Any business relating to pornography or prostitution.
  21. Persistent Organic Pollutants (POPs); GHG emission, Carbon (Co2), water pollution and ground water contamination.
  22. Plantation projects that would require the removal of existing non-degraded natural forest.
  23. Cross-border trade of waste, except those authorized by the Basle convention and its underlying regulations.
  24. Business activities involving the production or generation of significant amount of solid and liquid/water waste.
  25. Business activities that could cause hug explosion, hug dust, smoke, disturbing noise, causing adverse effect the safety and security of daily work, and living of people in the surrounding area.
  26. Business activities involving the use of high volume of electricity/power, paper or water that could cause interruption to the neighboring community. Business activities that seen overexploitation natural resources.
  27. Production and distribution or participation to racist, anti-democratic media or media advocating discrimination of one part of a population.
  28. Sector with little linkage effects, high risks and /or subject to speculation, e.g. Real Estate.
  29. Production or services, which cause recognized and serious damage to the natural environment and are forbidden under the laws of Cambodia for that reason.
  30. Projects involving the construction of large dams that significantly and irreversibly***.
  31. Projects in, impacting, or cause the loss of natural World Heritage Sites such as memorial/worship/holy site, farmland, village or community.
  32. Projects in or impacting areas on the United Nations List of National Parks and Protected Areas.
  33. Extraction or infrastructure projects in or impacting: protected area Categories I, II, III, and IV as defined by the International Union for the Conservation of Nature.
  34. Activities that could cause Significant Environmental Harm; that could cause the loss of living thing, loss habitats to the life of   rare species and common species. Business activities could cause the rising of unfriendly species, invasion of alien species,   epidemic disease/cholera.
  35. Located in or sufficiently near sensitive locations of national or regional importance to have perceptible environmental impacts.
  36. Giving or receiving gifts that could be interpreted as intending to influence business decisions.
  37. Making political contributions, i.e., to political parties or candidates. 
  38. Abusing confidential or material, non-public information. 
  39. Financial or economic crime, including involvement in money laundering.
  40. Illegal or deceitful recording and reporting of financial and/or tax information.
  41. Business transactions where the price for goods or services is set artificially high or low.
  42. Any equipment, sector, or service subject to economic sanctions issued by the United Nations, the European Union or France, without absolute or relative restriction regarding the amount.
  43. Illicit trade or activities that facilitate the illicit traffic of cultural property.
  44. Illicit activities involving organs, tissues and products of the human body, or genetic engineering activities banned by the national bioethical standards of France or of the host country, and by relevant applicable European or inter national standards.
  45. Projects whose purpose and/or approach are inconsistent with human rights, and in the case of private sector financing, projects underpinned by rationales that clearly contradict the United Nations Guiding Principles on Business and Human Rights.
  46. All fossil fuel power generation (below 500 tons included).

How to apply:

To apply for loan, client shall follow these simple steps:

  • Talk to a LOLC staff in your area or at the nearest LOLC office or via call center 023 991 991.
  • Request a specific amount and term based on your needs.
  • Customer can also Apply loan here.

How to Apply for Loan

Talk to Advisor

Need to loan advies? Talk to our loan advisors.

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(+855) 23 991 991 

[email protected]

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