Individual Loan (Individual Lending Methodology)

Name of Product Business Capital Loan Agriculture Loan
Loan Purpose • Business related purposes such as Fixed Asset, Working capital • Agriculture related Working capital
Pricing Method • Decline • Decline (Vegetables)
• Balloon (Crops)
Loan Amount • 1,000,000 to 10,000,000 • 1,000,000 to 10,000,000
Repayment Frequency • Monthly • Monthly
• Muti-Balloon
• *Balloon: Principal at Maturity
Loan Term (Month) • 6 to 18 months • Per Seasonal Calendar
General Criteria • Client must have at least one same business which has been operating in the same place for minimum 2 years.
• One guarantor who is capable enough to act as one must be presented.
• Immediate family member from the same household list and same business partner is not eligible to be guarantor.
• Up to 5,000,000 loans shall be approved with maximum 12 months loan term and maximum 18 Months loan term for Above 5,000,000 loans.