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Kasikorn Bank
KBank Biz Loan without Collateral​

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​Product Features​​

Bill Payment & Top-up  ​

Get a lump sum amount loan
with long repayment period, up to 36 months​

Bill Payment & Top-up​  ​

Get up to 300 mVND
line of credit, dynamically
increased over time
depends on your sales volume​​​

Bill Payment & Top-up  

Pay small amount daily 
start from 150K VND​




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KBank Biz Loan

Biz Loan

Loan Simulation

Use the loan calculator to determine your monthly payments for KBank Biz Loan. Input your desired loan amount and term to see your estimated monthly installment.

Loan Amount

300 mVND

Term

36 Months

Monthly Installment

VND

Note: The above monthly installment calculation information is for reference only and there may be a slight deviation from actual calculation result.​


Example: Monthly installment may vary from 11mVND to 13mVND for customer with loan amount of 300mVND for the term of 36 months depends on the customer profile.​

Request loan amount less than 300mVND

Request loan amount more than 300mVND

Product Details

Learn the Product Details of KBank Personal Loan to Support Your Purpose

Product Feature

KBank Biz Loan is a loan for business with multiple solutions depending on your specific needs and no collateral required!
  • Get credit limit up to 3​00 mVND
  • Tenors from 1 - 36 months
  • Interest start from 19% p.a.

Eligibility


Individual (Business owner)
  • Age 20 - 60 (Age at the end of the loan contract must not exceed 60 years) 
  • Average income ≥ 30 mVND in last 6 months 
  • Minimum monthly income in last 6 months ≥ 10 M VND 
  • Start business more than 6 months in partner platform (Kiotviet) or start business more than a year 

Juristic
  • Authorized person aged 20 - 60 (Age at the end of the loan contract must not exceed 60 years) 
  • Capital not negative 
  • Average income ≥ 30 mVND in last 6 months 
  • Minimum monthly income in last 6 months ≥ 10 M VND 
  • Start business more than 6 months in partner platform (Kiotviet) or start business more than a year 

Supporting Documents

Individual household business registration
  • A notarized copy/Copies with original copy for verification of the authorized person’s citizen ID/passport (in case of foreigner, a copy of work permit is required) 
  • Authorized person’s certificate of residence or VNeID
  • A notarized copy/ Copies with original copy for verification of business registration (for an individual) 
  • A notarized copy/ Copies with original copy for verification of a Special Business License or Certificate (required for some businesses such as schools, pharmacies, etc.) 
  • Bank Statement in last 6 months 
  • Tax Report 
  • Invoice 

Juristic with enterprise registration certificate
  • Merchant registration application with authorized person’s signature
  • A notarized copy/Copies with original copy for verification of the authorized person’s citizen ID/passport (in case of foreigner, a copy of work permit is required)
  • A notarized copy/ Copies with original copy for verification of Enterprise registration certificate (for corporate) 
  • A notarized copy/ Copies with original copy for verification of a Special Business License or Certificate (required for some businesses such as schools, pharmacies, etc.)
  • A Certified true copy/ Copies with original copy for verification of company charter 
  • A Certified true copy/ Copies with original copy for verification MOM/Resolution/ Power of attorney for loan decision 
  • Company Financial Statement 
  • Company Bank Statement in last 6 months ​
  • Invoice 
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Download File

DocumentFileDownload
KBank Biz Loan Contract​ PDF 726 KB
KBank Biz Loan Factsheet PDF 233 KB

Frequently Asked Questions

What is KBank Biz Loan without collateral?

"KBank Biz Loan without collateral is a business loan for Vietnamese Micro & SME who need financial support to grow their own business. The loan amount from 10 - 300m VND with 1-36 months tenor, and does not require collateral."

What is the income requirement to be eligible for the loan?

"The business need to have an average income of 30 mVND in the latest 6 months to be qualified for the loan."

How long does it take to receive a loan?

It takes about 3-5 business days after KBank receives the completed application with all the required documents. Once approved, KBank will transfer the fund to the bank accounts specified in the Notice of Drawdown.

Does the loan require a guarantor?

No, individual customer KBank didn't require gurantor. ​But for juristic customer KBank will requires an internal guarantor, which is a business owner/director or majority shareholder to guarantee the loan.​

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