“Meet medium and long-term financial demand of customer to improve business performance and capacity through investment for supplement, replacement, repair, upgrade and purchase of new assets”

 Features:

• Bullet loan: Meet medium and long-term financial demand of customer to improve business performance and capacity through investment for supplement, replacement, repair, upgrade and purchase of new assets.
• Project loan: Meet medium and long-term financial demand of customer for new investment and business expansion as well as meet packaged financial demand for investment project. Priotizing projects include: hydropower and energy projects, industrial plant projects, agricultural projects, manufacturing and processing factories, etc. which have high feasibility and effectiveness.
• Loan tenor: up to 15 years (tailored to specific projects based on their actual solvency)
• Financing up to 70% of total investment.

Benefits:

• Make a financial leverage to overcome long-term capital insufficiency;
• Unlike financial hire purchase, with medium and long-term credit, customers still retain their ownership over assets during loan term;
• Flexible, reasonable and competitive rate.
• Project loan:
• Flexible loan tenor, grace and payment period tailored to cash flow of the project/enterprise;
• Grace period is applicable during project implementation period to reduce payment pressure;
• Flexible fund withdrawal, which can be made into multiple disbursements following investment progress;
• Asset to-be-financed can be used as collateral for the loan itself.

Target customers:

• All companies which are established, organized and operated under the laws of Laos and wish to apply for loan.

Application:

• Loan application following internal regulations of SHB Laos.