The Cambodian financial market is developing rapidly and approaching the saturation stage. However, most commercial banks and MFIs are introducing both cash-flow and collateral-based lending. In general, they required real-estate property such as land and/or building to be served as collateral. According to the feedback from the market, some small and medium enterprises (SMEs) are not able to get loans from banks or MFIs due to collateral requirements.

The CDAS is extended to young entrepreneurs and SME businesses engaging in digital and automation. CDAS is envisaged to assist viable SMEs affected by the economic challenges during this period for better accessibility to financing at a reasonable cost.