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General Purpose of Shwe Loan Lay

Shwe Loan Lay (Micro and Small Business Loan) is a type of MSME loan for purchasing equipment or machinery as Fixed Asset Financing Program and expanding business activities as Working Capital Financing Program for micro and small businesses. 

Product Features

  • For MSME entrepreneurs, 80% of the loan can be used to purchase business equipment and the remaining 20% can be used to operate as working capital for the business as Fixed Asset Financing Program. 
  • For MSME entrepreneurs, 100% of the loan can be used to operate as working capital for the business as Working Capital Financing Program. 
  • No need to submit collateral for SHWE Loan Lay Financing Program. 

General Customer Eligibility For Fixed Asset and Working Capital

  • Business operating in the market area for at least 12 months. 
  • Borrower must be the owner and operator of the business (Owner name must be in the business license). 
  • Two personal guarantors (Family member and any business owner). 
  • Applicants must be within 18 years old and 60 years after the end of loan repayment is completed. 
  • Must be a business with no more than 25 employees or annual income of no more than 100,000,000 kyats. 

Type of Eligible Business

  • Service Industry
  • Manufacturing and Distribution Industry
  • Food related Industry

Fees and Charges

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For Fixed Financing Asset

For Working Capital

Loan Quantum:
Minimum Amount – 10 Million MMK
Maximum Amount – 50 Million MMK
Minimum Amount – 10 Million MMK
Maximum Amount – 50 Million MMK
Loan Tenure:
1 year (or) 2 years
1 year (or) 2 years
Interest Rate:
14.5% (p.a)
15% (p.a)
Interest Calculation Method:
Reducing Amortization Method
Reducing Amortization Method
Service Charges:
1 Year Loan Tenor -1% of the loan amount
2 Year Loan Tenor -2% of the loan amount
1 Year Loan Tenor -1% of the loan amount
2 Year Loan Tenor -2% of the loan amount
Repayment Method:
Monthly or Quarterly
Monthly or Quarterly
Application fees:
50,000 MMK (Main Applicant)
30,000 MMK (Joint Applicant)
50,000 MMK (Main Applicant)
30,000 MMK (Joint Applicant)

Required Documents for Loan Application

  • One Passport Size Photo 
  • NRC, Household List of borrower and guarantors (Copy) 
  • Original Testimonial Letter from Ward Administration Office 
  • Business Plan 
  • Details of the purchased equipment 
  • Company registration certificate and related documents from DICA of borrower (If company) 
  • Business license from Municipal or a related Government Ministry of borrower (If not a company) 
  • Business License or Company Registration Copy of guarantors (If Business Owners) 
  • Business location, Business related photos 
  • Minimum 6 months Bank statement of any bank of borrower (Personal or Business Account) 
  • Bank statement for last 3 months of guarantors (income proof of last 3 months) 
  • Tax receipts for 1 year 
  • Rental payment receipts (At least 3 months of remaining payment) (If have)
Awards

Best Retail Bank Myanmar 2024

Best Retail Bank Myanmar 2023

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