Get fund for day-to-day operations of your business

Our short-term financing will cover the day-to-day sales and marketing, product development, and other operations of your business. You can obtain financing for ordinary business expenses like operating expenses and inventory purchases.

SME Financing Solutions

Enjoy convenience of demanding repayment at any time

If you are looking forward to boosting your capital investment or business expansion, let us help you grow your business! AYA Bank offers Demand Loan to SMEs and Corporates for fixed asset purchases, capital expenditure purchases and industrial building construction, etc.

SME Financing Solutions

Providing financial support of Capital Expenditure for SMEs going forward

In support of domestic small and medium enterprises, we offer JICA Two Step Loan, funded by JICA, to expand your business grow by allocating 80% of the loan amount to acquire, upgrade, and expand fixed assets and 20% to working capital.

SME Financing Solutions

Enhance your operations and cash flow using the AYA SME Loan facility

Are you a SME business owner with a steady monthly income or a store owner? Our SME loan can be utilized for business expansion in addition to day-to-day expenses. It consists of financing for fixed assets such as industrial buildings, equipment, and machinery, as well as working capital such as operating expenses, accounts payable to suppliers, etc.

SME Financing Solutions

Financing your agribusiness through our flexible loan for seasonal agricultural operations

Seasonal loan for financing SMEs in the agriculture sector. You can get support by way of short term credit in harvesting specific crops for each season.

SME Financing Solutions

Need funds for regular operations, capital investments, or business expansion? AYA Bank will help you finance your ambitions and create your own opportunities. We provide Microloans with minimal collateral requirements or without collateral for the uninterrupted operation and expansion of small enterprises with growth potential.

Eligibility

Who can apply?

Small enterprises that can apply for AYA Micro Loan services must have:

A Valid Business License and an operational business of (1) year

License issued by the relevant ministry

License Issued by Township Development Committee

Must comply with other terms and conditions applied by AYA Bank.

SME Financing Solutions

• If applying
  with collateral
• If applying through CGI (Credit Guarantee Insurance)
  without collateral

Loan Amount	Up to MMK 30,000,000
Collateral	Apartment, business/shop title-owned, Vehicle with your ownership title
Loan Tenor	Up to (2) years
Interest	For loan term (1) year : 12.5% per year For loan term (2) years : 11.5% per year

Loan Amount	Up to MMK 10,000,000
Loan Tenor	Up to (2) years
Interest	For loan term (1) year : 13.5% per year For loan term (2) years : 12% per year
Myanma Insurance (CGI) premium	First year : 3% of the approved loan amount Second year : 2.5% of the remaining loan amount

Repayment Terms

Interest will be collected using the Upfront Method.

At the time of loan approval, the annual interest rate is deducted in advance from the loan amount, leaving the remainder available for use.

*** The principal loan amount must be repaid to the bank every month.

• Applying loan
  with collateral
• Applying loan through CGI
  (without collateral)

Approved loan amount (example)	5,000,000	10,000,000	30,000,000
Interest per annum	12.50%	12.50%	12.50%
Total (1) year interest	625,000	1,250,000	3,750,000
Loan amount (after interest)	4,375,000	8,750,000	26,250,000
Monthly principal amount to be repaid	416,666	833,333	2,500,000
Daily principal amount	13,698	27,397	82,191

Approved loan amount (example)	5,000,000	10,000,000
Interest per annum	13.50%	13.50%
Total (1) year interest	675,000	1,350,000
Loan amount (after interest)	4,325,000	8,650,000
Monthly principal amount to be repaid	416,666	833,333
Daily principal amount	13,698	27,397
Premium to be paid to Myanma Insurance (3%)	150,000	300,000

Required Documents

Business related documents

Business license and permit

Investment plan for business

Trade Receipts/Ledger and Records (Previous 3 months)

Business photos (front, back, left, right and interior)

SME Member Card

SME Certificate (if approved)

Documents related to loan applicants (at least 2 applicants)

National Identity Card (copy) and Household Registration (copy)

(2) license size photos

Proof of Residence (Municipal Tax or Land Tax or Meter Bill)

Documents related to insurance

If it is an apartment

- Related agreements

- Copy of BCC; A copy of the contract signed by the landlord and contractor

If it is a title-owned shop

- A copy of the Title-deed

If it is a registered vehicle

- Car ownership book

Additional documents may be required depending on the purpose of the loan application and the type of business.

How to Apply

Check at the nearest AYA Bank branches whether you meet the loan criteria. You can find out at once and apply with the necessary documents

Fees & Charges

No service charges by the Bank to apply AYA Micro Loan.

However, if you apply with collateral, collateral valuation fees, lawyer fees and service fees related to government offices shall be borne by the applicant(s).

Let your hard-earned money help you grow your business

Do you need to refinance your business secured by collateral?

Get AYA secured business loan (Lien) to take advantage of a secure short term financing for your businesses. This will allow you to have more flexible qualification requirements and often offer lower interest rates. It need to be backed by your organization (or) company’s deposit account, as a collateral.

Features and Benefits

• Loan Tenor is 1 month to 12 months
• Loan amount is up to MMK 1,000 million (Maximum 80% of the cash guarantee amount)

Fees and Charges

• Interest Rate is as low as 13% per annum
  (Interest payment is monthly (or) every three months)