Energy Efficiency Loan

- Smart Controls: Building Management Systems to monitor and optimize energy use.

- Efficient Equipment: High-efficiency elevators, LED lighting, and air conditioners with inverter technology.

- Better Insulation System: Double-glazed windows, roof insulation, and shading devices to keep buildings cooler.

Cross-sector Solutions

- Energy-Saving Devices: Efficient fans, pumps, chillers, and heat pumps.

- Automation: Sensors that turn off lights and air conditioning when rooms are empty.

- Electric Vehicle (EV): Commercial EV and charging infrastructure for electric vehicles.

- Thermal Improvements: Heat-reflective roofs and insulated walls.

- Process Upgrades and Production Line Improvements: Efficient motors, air compressors, and transformers.

- Waste Heat Recovery: Systems that reuse heat from furnaces and boilers.

- Modern Machinery: CNC machines, automated food processing, textile equipment, and other equipment.

- Renewable Energy: Solar water heaters, wind turbines, and hybrid systems. Grid-connected solar rooftops are excluded.

- Bioenergy: Biogas from waste, rice husk energy, and biofuel production.

- Clients must demonstrate an energy efficiency improvement of at least 5%.

- Other terms and conditions are subject to review and evaluation by the Bank.

- At least 50% owned by Cambodians.

- Enterprises with up to 250 employees, annual turnover up to USD 4 million or total asset up to USD 2 million.

- Larger enterprises may be granted on a case-by-case basis.

Women-led Enterprises

Women-led enterprises are encouraged to apply and defined as an enterprise meeting one criteria below:

- Membership in Cambodia Women Entrepreneurs Association or similar, 

- A woman being CEO, CFO, or a member of the Board of Directors,

- Women owning 50% or more of the shares,

- Women comprise 50% or more of the total workforce,

- The person named in the business registration document is a woman,

- A woman is the key person in business operations, as verified and evaluated by the Bank.

- Equipment name, specifications, model or serial number, brochures showing performance criteria, applicable international standard or equivalent.

- Explanation of how the investment will improve production efficiency, reduce energy use and/or emissions at the borrower’s facility.

The loan scheme is made possible by the Asian Development Bank through SME Bank. Borrowers are expected to comply with environmental and social safeguard requirements.

5.5% p.a.

Loan Tenure

Up to 10 years

- Minimum: USD 50,000 / KHR 200 million

- Maximum: USD 1 million / KHR 4,000 million

Residential, non-residential properties, vacant land (subject to valuation)

Guarantee by Credit Guarantee Corporation of Cambodia (CGCC)

-Guaranteed Fee for Women-led enterprises: 0.50% p.a. for the first year, and 0.75% p.a. from the second year onwards

- Guaranteed Fee for General enterprises: 0.75% p.a.