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ACLEDA Bank Lao Ltd.

 »  Products & Services  »  Credits  »  Credit Line

Credit Line

Sometimes you might need the finance to support your business in the future but some issues might prevent you from getting loans for your business requirement on time. ACLEDA Bank provides immediately the best solution for getting loans with Credit Line Service.

Credit Line Service is a maximum credit line promised by ACLEDA Bank depending upon your creditworthiness. Credit Line is not yet a credit unless you make withdrawals.

Currency Type

ACLEDA Bank offers this service in LAK, THB, and USD.

Advantages

  • Have opportunities to use our Credit and other services
  • Have source of capital for using to meet all your requirements
  • Reduce interest spending since you pay it only on credit balance
  • Promote trust between seller and buyer
  • Increase your opportunities in business
  • Ease your cash flow

Special Features

  • A promise to provide trade finance in accordance to the cash flow and collateral
  • Credit line is not yet a credit until you use it
  • Interest is not charged; only registration fee
  • When using credit line, you will enjoy the convenience in using Trade Finance for other purposes such as credit for import or export, documentary credit, bank guarantee, etc.
  • Able to rollover credit line many times according to real situations
  • Able to use other services simultaneously under terms and conditions of credit line

Fee

  • Arrangement fee: USD100, LAK800,000, THB3,000
  • Commitment fee: 1%
  • Collateral evaluation fee:
    • USD100, collateral evaluation fee 3% of loan size
    • LAK800,000, collateral evaluation fee 2% of loan size
    • THB3,000, collateral evaluation fee 1.5% of loan size
  • Interest rate is base on interest rate of Small Business Loan and Medium Business Loan.
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