KBank Biz Loan

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Product Highlight

 


No Asset Required!

It is an unsecured loan. We don’t request for any of your asset.

 


Loan up to 300 mVND

Lump sum loan amount for your business objective

 


Competitive Interest Rates

Starting from 15% – Up to 36% Annually


 


Flexible repayment options

Choose your installment plan from 12 to 36 Months

 
 





Product Details

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

General Information

  • Not require asset and personal guarantee
  • Loan for business purposes up to 300 mVND
  • Equated monthly installment with effective interest rate
  • Maximum loan repayment up to 36 months

Eligibility

  • Individual customer and Individual with household business registration certificate customer
  • Age 18 to 60 years old
  • An average monthly income more than 30 mVND in last 6 months
  • Operating business more than 6 months

Supporting 
Document

Individual without household business registration certificate

1. A notarized copy or a copy presented with original copy for verification of the authorized person’s citizen ID

2. Certified true copy of printed VNeID/ COR

3. Invoice from supplier (Hand-written invoice is acceptable) not more than 1 Year


Individual with household business registration certificate

1. A notarized copy or a copy presented with original copy for verification of the authorized person’s citizen ID

2. Certified true copy of printed VNeID/ COR

3. Invoice from supplier (Hand-written invoice is acceptable) not more than 1 Year

4. A notarized copy/Copies with original copy for verification of Household business registration / Enterprise registration certificate (for corporate)

5. A notarized copy/Copies with original copy for verification of Business License or Certificate (if any) (required for some businesses such as food & beverage, pharmacies, etc.)

6. Bank Statement in last 6 months 

7. Recent business Tax Submission Notice (01/TB-CNKD) & Recent Tax Payment Receipts



Download File

DocumentFileDownload
KBank Biz Loan ContractPDF 726 KB
KBank Biz Loan FactsheetPDF 233 KB

Frequently Asked Questions

 
What does the KBank Biz Loan offer?
  • KBank Biz Loan is a business loan without collateral.
  • The loan purpose is to support for working capital, purchase inventory.
  • Loan limit starts from 10 mVND to 300 mVND
  • Variety of loan installment options 12 to 36 months
  • Competitive interest rate starting from 15% per year
Who is eligible to apply KBank Biz Loan?
  • If customers are Individual without household business registration certificate, we accept customers from KBank Partners (Nationwide)
  • If customers are Individual with household business registration certificate, we accept customers who have shop location in Ho Chi Minh
  • Vietnamese age from 18 to 60 years old (Age + Loan tenor =< 60 years old)
  • An average monthly income more than 30 mVND in the latest 6 months
  • Business experience more than 6 months
Who is KBank partners?
  • KiotViet
How can I prepare the require document for Individual without household business registration certificate?
  • A notarized copy or a copy presented with original copy for verification of the authorized person’s citizen ID
  • It must be 12 Digits Citizen ID Card with Chip

  • Authorized person’s certificate of residence or VNeID
  • Take picture of VNeID screenshot
  • It must show the detail of Full name, Date of birth, Citizen ID number, Phone number, Permanent address, Temporary residence address and Current residential address

  • Invoice from supplier (Hand-written invoice is acceptable) not more than 1 Year
  • Invoice issue date must be before the credit approval date and must be less than 12 months
  • Total invoice amount must be equal and/or higher than loan request amount
  • Invoice must be specified applicant’s full name (as buyer name) and seller name
  • Invoice should be confirmed that it is already paid
  • Invoice detail must be reasonable price of goods or services
How can I prepare the require document for Individual with household business registration certificate?
  • A notarized copy or a copy presented with original copy for verification of the authorized person’s citizen ID
  • It must be 12 Digits Citizen ID Card with Chip

  • Authorized person’s certificate of residence or VNeID
  • Take picture of VNeID screenshot
  • It must show the detail of Full name, Date of birth, Citizen ID number, Phone number, Permanent address, Temporary residence address and Current residential address

  • Invoice from supplier (Hand-written invoice is acceptable) not more than 1 Year
  • Invoice issue date must be before the credit approval date and must be less than 12 months
  • Total invoice amount must be equal and/or higher than loan request amount
  • Invoice must be specified applicant’s full name (as buyer name) and seller name
  • Invoice should be confirmed that it is already paid
  • Invoice detail must be reasonable price of goods or services

  • Bank Statement in last 6 months
  • It must be official statement full version issued by the bank with stamp

  • Household Business Registration Certificate
  • A notarized copy/Copies with original copy for verification of Household business registration / Enterprise registration certificate (for corporate)
  • The Registration Certificate must be issue by government

  • Business License
  • A notarized copy/Copies with original copy for verification of Business License or Certificate (if any)
  • If customer operate in within certain business type, the License of Certificate issue by government is required

  • Tax Submission Notice
  • Customer must submit Tax Submission Notice receive from Tax Department with data showing the last 6 months

  • Tax Payment Receipts
  • Customer must submit the latest 1 month of Tax payment.