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navigate_nextProducts & Servicesnavigate_nextPersonalnavigate_nextCreditsnavigate_nextFinancial Lease
Financial Lease
Insufficient collateral is no longer a problem for business recovery loans. For more information, please contact: 023 994 444 / 015 999 233.
Financial Lease is offered to corporate customers to own and use assets such as vehicle, machinery, or other equipment (except land or houses) for their daily business or personal activities in long-term financing periods without investing their own capital or using working capital.
You can purchase the identified asset and become its legal owner and pay monthly fees to the bank or pay at an agreed period of time including fee charges.
Benefits
- Get the moveable assets as demand for your business operations without using your own financial resources or capital
- Transform gross expense into monthly expense
- Increase income and expand business operations
Loan Size, Loan Period and Interest Rate
- Loan size up to KHR 2,000,000,000 or USD 500,000.
- Loan period (minimum) 12 months.
- Loan period (maximum):
- 72 months for brand-new vehicle.
- 60 months for second-hand vehicle.
- Interest rate:
- KHR: from 11% p.a
- USD: from 10% p.a
Requirements Documents
Customers who earn income from businesses (non salary):
- Provide the last year of financial reports (if available)
- Provide photos of business operations
- Have a Family Book, a Residence Book, an ID card or other valid documents
- Provide legal documents such as a Patent, a Certificate of Business Registration, a Memorandum and Articles of Association, a Logo, a Certificate of Product Registration, etc.
Other Conditions
- Agree to provide documents that are required by ACLEDA Bank
- Agree to maintain the lease assets during the agreement period
- Do not allow to change the lease assets unless there is an approval from ACLEDA Bank
- Be responsible for repairing or losing the assets
- Do not sell, pawn or hire the assets without permission from ACLEDA Bank
- Allow ACLEDA Bank to check the lease assets and business situation
- Agree to pay for the asset on delivery, a vehicle plate, insurance, and a permission letter for using machinery or material
- Accept to receive the asset at the end of the contract and agree to pay for the transfer fee
contact_supportPlease contact our nearest branch, Corporate Division (Loan Services), or our Call Center for our services requirements and more information.
