Page: SME – CFB Loan



SME – CFB LOAN is a type of loan that is primarily based on the cash flow and profitability of a business, based on collateral.

Small and Medium Enterprise Development Bank (SME Bank) is planning to provide loans to the following sectors as part of the SME – CFB LOAN (Cash Flow – Based Loan) as part of the development of the country’s economy.

  1. Agriculture Sector
  2. Livestock (Fish, Shrimp, Crab, Chicken, Dairy Cow)
  3. Manufacturing (Food, Consumer Goods, Clothing)

Among the above sectors, the import and export promotion activities will be given priority as a contribution to the development of the country. In addition, the loans will be allocated at each level as they are not lending year-round, so as to ensure sector growth is transparent, so that there is a level 1 and 2 level loan. Therefore, it is important that your SME is compatible with the following five points:

  1. Agriculture Sector (rice, maize); Livestock (fish, shrimp, crab, chicken, dairy cow); Must be Myanmar nationals between 20- and 60-years old working in the manufacturing (food, consumer and clothing) sectors.
  2. The business field must have two or more years of business experience, and the loan application must be at least one year in continuous operation.
  3. Must have SME membership card.
  4. The loan amount required to apply must not exceed 30 million MMK.
  5. The purpose of the loan must be detailed.


  • The interest rate: (12%)
  • Bank Service Fee: (1%) for one year
  • Loan Term: 9 Months to 12 Months
  • Non-Collateral


  1. A copy of the Business License၊ Company Registration Certificate
  2. SME Member Card & Recommendation Letter (Original)
  3. Business Profile & Plan
  4. Business Tax Receipt
  5. Financial Statement
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