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  • KBank Biz Loan

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​​Product Highlig​​ht​​

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No Asset Required!​

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

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Loan up to 300 mVND​​

Lump sum loan amount for your business objective​​

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Competitive interest rate starts at 19%​​

Pay as low as 3.7 mVND per month depends on your creditworthiness​​


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Flexible repayment options​

Choose your installment plan up to 36 months​

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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 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   
  • 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​

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Download File

DocumentFileDownload
KBank Biz Loan Fact sheet​ PDF 232 KB
KBank Biz Loan Contract​ PDF 726 KB



Freq​uently Ask​ed Quest​ions

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 19% 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?

•​  Kiot​Viet, Shopee, Lazada​

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.