Tourism Financing Scheme for Siem Reap Province (TFSS)

Cambodia Micro Enterprise Scheme (CMES) is an unsecured loan and was initiated to provide financial support to micro enterprise in Cambodia with favorable conditions and affordable cost.

Tourism Financing Scheme for Siem Reap Province has been developed and is being directly implemented by SME Bank of Cambodia. It aims to improve access to affordable financing scheme for tourism businesses in Siem Reap province, thereby enabling them to reopen, enhance, and modernize their products or services. Additionally, it assists in expanding and diversifying tourism services to attract and accommodate both national and international tourists.

The scheme above supports the following enterprises such as:

(A) Hotels, Guesthouses, Resorts                                            (B) Restaurants

(C) Businesses that Produce and/or Sell Souvenirs            (D) Tour Agents

(E) Transportation Tour Companies                                        (F) Businesses that Develop Tourism Products

(G) Providers of Products and/ Services that Support the Tourism Sector.

Features 

Financing Size	From USD20,000 Up to USD600,000/​Equivalent in KHR Currency
Loan Purpose	Capital Expenditure or Working Capital
Loan Tenor	Up to 8 years
Currency	KHR and USD
Interest Rate	6.50% p.a
Loan Admission Fee	Free of Charge
Grace Period	Up to 24 months
Early or Partial Settlement	No Panalty

Eligibility 

• SMEs that are owned by Cambodian and established in Siem Reap province  
• SMEs that are wholly owned or at least 51% owned by Cambodian nationals 
• Collateral needed, such as land or a building  

Document Requirement

• Identification documents for the borrower and co-borrower, such as a National Identification Card (NID), passport, or other documents issued by an authority 
• The title deed of the collateral 
• Business-related registration documents such as a Business License, Patent, or Certificate of Incorporation (if applicable) 
• Documents of incomes and expenses (if applicable) 
• Financial Statements (if applicable) 
• Any relevant documents based on the business sector (if applicable) 

Benefits 

• Affordable interest rates 
• Increase business efficiency and boost tourism productivity