• KBank Biz Loan without Collateral​
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Key Benefits​

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Ma​ximum term up to 36 months

Flexible loan period option from 1 - 36 months.

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Flexible repayment terms

Choose your payment plan daily or monthly depending on your need.​

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Higher loan limit over time your business grows

When your sales volume increases, bank will reconsider your credit limit and make it match to your cashflow.​


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No Asset required !

This loan product no collateral required, we approve loan base on you business potential and revenue.​

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KBank Biz Loan without collateral

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 the actual calculation result when customers use the service at KBank Biz Loan.

Product Details

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

General Information

  • Request loan amount less than 300mVND, please download K PLUS Application. Click​
  • Request loan amount more than 300mVND, please contact our sales team. Click  

Eligibility


  • Individual, Individual with household business registration certificate and Juristic with enterprise registration certificate
  • Individual aged 18 years old and older or juristic person registered in Vietnam
  • Average monthly income more than 30 mVND
  • Operating business more than 6 months

Supporting Document​

Individual without household business registration

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

2. Authorized person’s certificate of residence or VNeID

3. Bank Statement in last 6 months


Individual with household business registration​

1. A copy (must be presented with original document) of the authorized person's citizen ID or passport

2. Authorized person’s certificate of residence or VNeID

3. A copy (must be presented with original document) of the household business registration certificate

4. A copy (must be presented with original document) of Special Business License or Certificate (required for some businesses such as food & berverage, pharmacies, etc.)

5. Bank Statement in last 6 months

6. Recent b​usiness Tax Submission Notice (01/TB-CNKD) & Recent Tax Payment Receipts


Juristic with enterprise registration certificate

1. A copy (must be presented with original document) of the authorized person's citizen ID or passport

2. A copy (must be presented with original document) of enterprise registration certificate

3. A copy (must be presented with original document) of Special Business License or Certificate (if any)

4. A Certified true copy/ Copies with original copy for verification of company charter

5. A Certified true copy/ Copies with original copy for verification MOM/Resolution/ Power of attorney for loan decision

6. Recent company Financial Statement

- Balance sheet

- Income statement

7. Company Bank Statement in last 6 months





Download File

DocumentFileDownload
KBank Biz Loan without collateral Factsheet PDF 232 KB

Freq​uently Asked Quest​ions

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 by customer.

Does the loan requires 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.​