+95 1 231 7777
Are you a small business owner looking for capital to boost your business? Let us help to grow your business! At AYA Bank, we offer AYA SME Financing Solutions that meet your financial needs and grow your small business into bigger ones.
Why AYA SME Financing Solutions?
- Friendly Advisors for SMEs
- Flexible Loan Products
- Flexible Payment Schedules
What Our Customers Say?
Ko Phyo Hein Zaw
Snoopy Mobile
“I’ve been dreaming about to expand my Business as Snoopy mobile shops across the country. With the financial assistance of AYA SME Financing Solutions, my dream became true and able to open up mobile shops total in 9 now.”
Daw Than Shin
Hsu Myat Win Business (Founder)
“Branch In-charge of AYA Bank has explained me about AYA SME Financing in detail when I needed to expand my business. And with the help of AYA SME Financing solution I could expand my business efficiently and effectively. I also encourage you to apply AYA SME Financing service if you need to grow your business.”
U Zaw Oo
MPPS Founder
“When I needed business financing to upgrade from Preschool to Primary School, AYA Bank offered me AYA SME Financing Solutions to meet my financial needs and expand my business. I will continue to use AYA SME Financing Service if I plan to expand into High school as well.”
Eligibility Any Small or Medium Enterprise applying for AYA SME Financing Solutions should be
- Registered and operating in Myanmar at least 2 years.
- Meet the standards set by AYA Bank.
AYA Bank follows 2015 Myanmar SME Development Law If you meet the above criteria, simply get in touch with us and we are happy to assist you to grow your business.
Choose the right SME Financing Solutions for your business.
Loan Amount
Up to 1 Billion MMK
Collateral
Landed Property, Condo
Loan Tenor
Up to 3 Years
Interest
10% p.a. to 14.5% p.a.
AYA Bank offers Demand Loan to SMEs for capital expenditure and business expansion. Capital Expenditure: Industrial buildings, equipment, machine, etc.
Loan Amount
Up to 1 Billion MMK
Collateral
Landed Property, Condo
Loan Tenor
1 Year
Interest
10% p.a. to 14.5% p.a. (Service Charges Included)
AYA Bank provides working capital loan to business to cover their short-term operational needs, which include operational expense and payable to suppliers. Working Capital: Operating expenses, payable to suppliers, etc
Loan Amount
Up to 500 Billion MMK
Collateral
Landed Property, Condo
Loan Tenor
Up to 5 Years
Interest
5.5% p.a. to 10% p.a.
We offer JICA TSL Loan to expand your business grow by allocating 80% of the loan amount to acquire, upgrade, and expand fixed assets and 20% to working capital.
Loan Amount
Depends on loan purpose & repayment capacity
Collateral
Landed Property, Condo, Apartment
Loan Tenor
Up to 3 Years
Interest
10% p.a. to 14.5% p.a.
SMEs with regular monthly income or shop owners can apply for AYA SME Loan to expand their business or to cover day-to-day business expenses. Example – Capital Expenditure: Industrial buildings, equipment, machine, etc – Working Capital: operating expenses, payable to suppliers, etc
Loan Amount
Depend on Loan Purpose & Repayment Capacity
Collateral
Landed Property, Condo
Loan Tenor
Up to 6 Months
Interest
10% p.a. to 14.5% p.a. (Service Charges Included)
Seasonal Loan is intended to finance SMEs in the agriculture sector in harvesting specific crops for each season.
Application Process
Step 1
- You can make an initial enquiry at AYA SME Center or nearest AYA Bank Branches in person.
- Or you can make a call at 09443730655 within office hour or 24/7 at 01-2317777
Step 2
- Keep your documents ready.
Business related documents
- Company Certificate of incorporation or Company License
- Form 6, Form 26, Form E (DICA)
- Directors’ resolution (meeting minutes)
- Company Audited Financial Statement (Last 2 years)
- Tax returns (Last 2 years)
- Export/Import License (if any)
- Photos of Business
- Business Plan
- Receipt/invoice of Sales & Purchase
Guarantee related documents
- Photos of collateral
- Grant and Form 105,106 (Ownership book of condos and apartment)
- Electric bill, YCDC bill
Personal information documents
- Applicant’s NRC and Household list
- Passport Photo (2)
- Recommendation letter from respective ward administration office and police station
Step 3
- Fill in SME Loan Application Form and submit along with the required documents at any AYA branches.
*** Please note that additional documents may be required
Fees & Charges Depend on application of Loan types and collateral, fees and charges will be collected. For example – (Lawyer fees, Valuation fees)
Repayment Plan Repayment plan can be varied based on loan purpose and repayment capacity.
- Monthly repayment plan (Interest + Principal)
- Quarterly repayment Plan (Interest + Principal)
- Monthly or quarterly (Interest) and yearly (Principal)