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HOME BUSINESS BANKING BORROWING SME FINANCING SOLUTION
Growing Your SME Business?
AYA SME & Emerging Business Financing Solutions can help funding for expanding and developing your business.
AYA Bank understands your need for capital growth and smooth business operations. We will work with you individually to determine the best credit option for your business. Let's get a broader understanding of what it takes to qualify for SME financing.
Why AYA SME & Emerging Business Financing Solutions?
Friendly Advisors for SMEs
Variety of Loan Products
Flexible Payment Schedules
Who are eligible?
Any Small or Medium Enterprise applying for AYA SME Financing Solutions should be
Registered and operating in Myanmar for at least 2 years.
Meet the standards set by AYA Bank.
AYA Bank adheres to the Myanmar SME Development Law of 2015. If you meet the aforementioned requirements, please contact us and we will gladly assist you in expanding your business.
Success Story
Discover how AYA Micro Loan propels the local business forward, from a small-scale business to soaring heights.
“AYA Micro Loan has truly made my work a breeze! I can now source raw materials directly from local farmers, expand my product storage capacity, and even invest in the essential equipment. Plus, I’ve got the budget to boost my marketing efforts.”
Ma Hsu Myint Han
Kaung Kyaw Kyar
Tamarind Sauce
With AYA Micro Loan support, the owner of floral service is able to expand her business, dedicated to delighting customers.
“Thanks to AYA Bank’s Micro Loan with low interest rates. We have continued offering our Juno Floral Service with high-quality domestic and international flowers, maintaining our standards.”
Ma Lay Lay Htoo
Juno Floral Service
For a dedicated owner of fashion shop, AYA Bank's SME - Micro Loan helped the business thrive, bringing in more satisfied customers than ever!
“With the support of AYA Bank's Micro Loan, I've been able to stock my store with the latest fashion trends. This has not only elevated my business but also expanded the choices available to my customers.”
Ma Thu Zar Moe
Moe Fashion Shop (Owner)
How AYA SME loan gave this mobile shop owner a competitive advantage to expand his business
“I've been dreaming about expanding my Snoopy mobile shop business across the nation. With the financial assistance of AYA SME Financing Solutions, I was able to realize my dream and open a total of 9 mobile shops.”
Ko Phyo Hein Zaw
Snoopy Mobile
With years of experience, the owner upgraded preschool to primary school using AYA financing and confide more in AYA
“When I needed business financing to upgrade from Preschool to Primary School, AYA Bank offered me AYA SME Financing Solutions to meet my financial needs and expand my business. I will continue to use AYA SME Financing Service if I plan to expand into High school as well.”
U Zaw Oo
MPPS Founder
SME business owner finds the right loan and financing partner to grow successfully
“Branch in-charge of AYA Bank has explained me about AYA SME Financing in detail when I needed to boost my business. And with the help of AYA SME Financing Solutions, I could grow my business efficiently and effectively. I also encourage you to apply AYA SME Financing service if you need to grow your business.”
Daw Than Shin
Hsu Myat Win Business (Founder)
What We Offer
Working Capital Loan (Overdraft – OD)
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.
Financing Solutions
Features and Benefits
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Loan Tenor: up to 1 Year |
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Loan Amount: up to MMK 3 Billion |
Fees and Charges
| Interest rate | 12% per annum (plus up to 1% service charge) |
| Collateral | Landed Property, Condominium |
Features and Benefits
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Loan Tenor: up to 1 Year |
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Loan Amount: up to MMK 10 Billion |
Fees and Charges
| Interest rate | 12% per annum (plus up to 1% service charge) |
| Collateral | Landed Property, Condominium |
Business Loan
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.
Financing Solutions
Features and Benefits
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Loan Tenor: up to 3 Years |
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Loan Amount: up to MMK 3 Billion |
Fees and Charges
| Interest rate | 13% per annum (plus up to 2% service charge) |
| Collateral | Landed Property, Condominium |
Features and Benefits
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Loan Tenor: up to 3 Years |
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Loan Amount: up to MMK 10 Billion |
Fees and Charges
| Interest rate | 13% per annum (plus up to 2% service charge) |
| Collateral | Landed Property, Condominium |
AYA Domestic Product Loan
Empowering local dreams, funding for local products
AYA Domestic Product Loan for local-based manufacturing and production businesses.Supporting the sustainable growth of local enterprises, we provide flexible financing for asset purchase and working capital needs.
Features and Benefits
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Loan Tenor: up to 3 Years |
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Loan Amount: up to MMK 3 Billion |
Fees and Charges
| Interest rate | 13% per annum (plus up to 2% service charge) |
| Collateral | Landed Property, Condominum, Motor Vehicle, Cash Collateral, Business Machinery & Equipment |
Features and Benefits
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Loan Tenor: up to 3 Years |
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Loan Amount: up to MMK 10 Billion |
Fees and Charges
| Interest rate | 13% per annum (plus up to 2% service charge) |
| Collateral | Landed Property, Condominum, Motor Vehicle, Cash Collateral, Business Machinery & Equipment |
Eligible Applicants
Registered Businesses operating domestic manufacturing activities in Myanmar.
(A) Applicant Documents (Co-Applicant)
One passport-size photo
Copy of National Registration Card (NRC) (front and back)
Copy of Household Registration
Ward Administrator Recommendation Letter or Utility Bill or Land Tax Receipt or Municipal Tax Receipt
(B) Business Documents
Business registration certificate (or) business operating license issued by the relevant authorities (or) Company Registration Certificate
Board Resolution or Business plan/Investment plan for the intended use of the loan
Valid SME Member Card (if available)
Business photos (front, back, left, right, interior) (front, back, left, right, interior and exterior views)
(C) Financial Documents
Financial statements (or) Proof of income documents
Sales and purchase invoices (or) ledgers, and records for the most recent three (3) months
Merchant Loan
Fuel your business success with AYA Merchant Loan
Designed to support merchants (any merchants) of small business (owners), providing the working capital you need to grow business, manage cash flow, and expand operations.
Financing Solutions
Features and Benefits
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Loan Tenor: up to 3 Years |
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Loan Amount: up to MMK 3 Billion |
Fees and Charges
| Interest rate | 13% per annum |
| Collateral | Landed Property, Condominum, Motor Vehicle |
Features and Benefits
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Loan Tenor: up to 1 Year |
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Loan Amount: up to MMK 300 Million |
Fees and Charges
| Interest rate | 14% per annum (plus up to 1% service charge) |
| Collateral | - |
Eligible Applicants
Businesses that are officially registered and hold a valid business license issued by relevant authorities or organizations. (Business License or permit)
Businesses engaged in manufacturing, distribution, trading, wholesale or retail activities.
Businesses that are currently working with AYA Bank and using the Bank’s payment systems (POS, MMQR) or
Businesses using payment systems (POS, MMQR) provided by other banks.
(A) Personal Documents (Minimum 2 Applicants)
One passport-size photo
Copy of National Registration Card (NRC)
Copy of Household Registration
Ward Recommendation Letter or Municipal Tax Receipt or Utility Bill (Electricity/Water) or Land Tax Receipt or Market Committee Recommendation Letter
(B) Business Documents
Business Registration Certificate (or) Business License (or) Company Registration Certificate issued by the relevant authority
Board Resolution (for companies)
Business photos (front, back, left, right, interior)
Business plan/Investment plan for the intended use of the loan
(C) Financial Documents
Sales invoices or MMQR transaction records or Bank Statements and ledgers for the most recent three (3) months.
Merchant Service Agreement signed with AYA Pay
JICA Two Step Loan
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.
Financing Solutions
Features and Benefits
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Loan Tenor: up to 5 Years |
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Loan Amount: up to MMK 500 Million |
Fees and Charges
| Interest rate | 7.5% - 15% per annum |
| Collateral | Landed Property, Condominum |
Agriculture Loan
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.
Financing Solutions
Features and Benefits
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Loan Tenor: up to 1 Year |
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Loan Amount: up to MMK 3 Billion |
Fees and Charges
| Interest rate | 13% per annum (plus up to 2% service charge) |
| Collateral | Landed Property, Condominum, Title Owned Form(7) |
Features and Benefits
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Loan Tenor: up to 1 Year |
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Loan Amount: up to MMK 10 Billion |
Fees and Charges
| Interest rate | 13% per annum (plus up to 2% service charge) |
| Collateral | Landed Property, Condominum, Title Owned Form(7) |
Micro Loan
Empowering Dreams, Building Futures Together by supporting MSMEs!
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.
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.
Features and Benefits
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Loan Tenor: up to 2 Years |
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Loan Amount: up to MMK 50 Million |
Fees and Charges
| Interest rate | 13% per annum (plus up to 1% service charge) |
| Collateral | Apartment, Business/Shop title-owned, Motor Vehicle |
| If applying through CGI(Credit GuaranteeInsurance) | - |
Features and Benefits
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Loan Tenor: up to 2 Years |
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Loan Amount: up to MMK 20 Million |
Fees and Charges
| Interest rate |
For loan term (1) year: 14.5% per annum (plus up to 1% service charge) For loan term (2) years: 13.5% per annum (plus up to 1% service charge) |
| Collateral | - |
| If applying through CGI(Credit GuaranteeInsurance) |
CGI Premium - First Year: 5% of the approved loan amount Second Year: 4% 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.
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.
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
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).
Find out more about our Micro Loan to help you manage your finance.
Secured Business Loan (Lien)
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.
Financing Solutions
Features and Benefits
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Loan Tenor: up to 1 Year |
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Loan Amount: up to MMK 1 Billion |
Fees and Charges
| Interest rate | 13% per annum |
| Collateral | Cash Collateral |
Features and Benefits
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Loan Tenor: up to 1 Year |
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Loan Amount: up to MMK 10 Billion |
Fees and Charges
| Interest rate | 13% per annum |
| Collateral | Cash Collateral |
Invoice Financing
Improve your cash flow with AYA Bank’s Invoice Financing solution.
Need working capital while waiting for customer payments? AYA Bank’s Invoice Financing helps businesses improve cash flow by providing access to funds against outstanding invoices. This solution supports smooth business operations, trade activities and business growth with greater financial flexibility.
Financing Solutions
Features and Benefits
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Loan Tenor: up to 1 Year |
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Loan Amount: up to MMK 3 Billion |
Fees and Charges
| Interest rate | 13% per annum (plus up to 2% service charge) |
| Collateral | Landed Property, Condominum, Motor Vehicle, Business Machinery & Equipment, Non-perishable inventory with high liquidity, Cash Collateral |
Features and Benefits
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Loan Tenor: up to 1 Year |
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Loan Amount: up to MMK 10 Billion |
Fees and Charges
| Interest rate | 13% per annum (plus up to 2% service charge) |
| Collateral | Landed Property, Condominum, Motor Vehicle, Business Machinery & Equipment, Non-perishable inventory with high liquidity, Cash Collateral |
Warehouse Financing
Supporting SMEs with smarter inventory-based financing
This financing facility helps businesses access working capital by leveraging stored inventory, enabling smoother operations, better liquidity management and continued business growth.
Financing Solutions
Features and Benefits
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Loan Tenor: up to 6 Months |
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Loan Amount: up to MMK 3 Billion |
Fees and Charges
| Interest rate | 13% per annum (plus up to 2% service charge) |
| Collateral | Non-perishable inventory with high liquidity (e.g. beans, corn, sesame, and rice) |
Features and Benefits
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Loan Tenor: up to 6 Months |
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Loan Amount: up to MMK 10 Billion |
Fees and Charges
| Interest rate | 13% per annum (plus up to 2% service charge) |
| Collateral | Non-perishable inventory with high liquidity (e.g. beans, corn, sesame, and rice) |