VoiceOver users please use the tab key when navigating expanded menus

Laos


SOLUTIONS - LOANS

English| ລາວ (Lao)

LOANS

ANZ Laos is capable of providing clients with a wide range of loan products through our established onshore operations in Laos coupled with regional presence and product expertise. Our strong local experience also helps to add value to our clients’ business, with market insights and frequent regulatory updates.

Short-term credit financing:
        - Overdraft
        - Short-term working capital financing

Medium to long-term credit financing:
        - Medium to long-term credit facility
        - Syndicated credit financing

Short-term credit financing

Overdraft

ANZ can provide an efficient and flexible loan with a tenor shorter than 1 year. You can draw down up to the maximum credit limit approved, or deposit money into the account to reduce the outstanding balance. Interest is calculated on the actual drawn down amount on a daily basis, and is charged at month-end.

Benefits

  • Flexible and timely draw downs allow clients to suit their cash flow requirements;
  • Repayments can be made by simply crediting the operating account;
  • Supports clients in case of short term cash flow mismatching, mainly in working capital.

Short-term working capital financing

ANZ can offer you a short term working capital facility to fit your operating cash flow cycle. Terms from 1 to 12 months are available, subject to cash conversion cycle of the business, and interest is only charged on the actual drawn down amount. This form of facility is generally used for financing permanent working capital needs.

Benefits

  • Flexible and timely draw downs allow clients to suit their cash flow requirements;
  • Fixed interest rate for the duration of each draw down.

Medium to long-term credit financing

Medium to long-term credit facility

ANZ term loans are available for terms of more than 1 year and up to 3 years, for a wide range of corporate purposes, and most commonly to finance fixed-asset investment purchases where the security for the loan can be assets purchased from the borrowed amounts. The main source of repayment is based on all cash flows from the borrower's business activities.

Benefits

  • No maximum loan amount. All requests are considered on their merits;
  • Flexible terms available to meet your business needs;
  • Sustainable liquidity management due to longer-tenor, to match with your business cash flow profile.

Syndicated credit financing

ANZ Laos can connect you with ANZ regional stakeholders, who can act as arranger, agent bank or security agent to provide a medium or long term loan by a group of lenders, mostly as multiple banks under one single contract agreement. A syndicated loan generally involves a larger deal size, and/or involves a more complicated facility structure.

Benefits

  • No maximum loan amount. All requests are considered on their merits;
  • Flexible terms available to meet your business needs;
  • Sustainable liquidity management due to longer-tenor, to match with your business cash flow profile.