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Loans

ລາວ | English

 

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

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

  • Flexibly and timely draw down allow client to suit cash flow requirements;
  • Repayments can be made by simply crediting the operating account;
  • Support clients in case of short term mismatching cashflow, mainly involved in working capitals.

 

Short-term working capital financing

ANZ can offer you short term working capital facility to fit operating cash flow cycle. All terms are available from 1 month to 12 months and interest only be charged on the actual draw down amount. This form of facility is usually used for financing permanent working capital needs.

Benefits

  • Flexibly and timely draw down allow client to suit 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.
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