Cambodia’s economy is booming, with 7%+ annual GDP growth, a young workforce, and strategic ASEAN positioning. For foreign companies, this presents lucrative opportunities—but accessing capital and financing is key.

At Khat Alhayat, we specialize in cross-border loans and project financing, helping global businesses thrive in Cambodia’s dynamic market.

How Foreign Companies Can Access Financing in Cambodia

1. Business Expansion Loans

• For: Foreign SMEs, startups, and corporations entering Cambodia.

• Features:

  • $50K–$5M loan ranges

  • Low-interest rates (starting at 8% p.a.)

  • Collateral-flexible (accept overseas assets)

• Best for: Setting up local offices, scaling operations, or launching new products.

2. Large-Scale Project Financing

• For: Infrastructure, renewable energy, real estate, and agribusiness projects.

• Features:

  • Long-term loans (5–15 years)

  • Government-backed incentives (for approved sectors)

  • Syndicated loan options (for projects over $10M)

• Example: A Dubai-based solar firm secured $12M via Khat Alhayat to build a 50MW plant in Battambang.

3. Trade Finance & Working Capital

• For: Import/export businesses, manufacturers, suppliers.

• Features:

  • Letters of Credit (LCs)

  • Inventory financing

  • Currency hedging (USD/KHR)

• Case Study: A Thai agri-exporter reduced cash-flow gaps with our revolving credit line.

4. Joint Venture (JV) Financing

• For: Foreign firms partnering with Cambodian companies.

• Benefits:

  • Local compliance support

  • Shared risk/reward structures

  • Faster approval (vs. 100% foreign-owned loans)

Why Choose Khat Alhayat?

Local + Global Expertise – Licensed by Cambodia’s Ministry of Finance, with 20+ years in international banking.
Fast Approval – As little as 7 days for pre-approved clients.
Multi-Currency Loans – USD, EUR, THB, or KHR disbursements.
Regulatory Guidance – Navigating Cambodia’s foreign ownership laws, tax breaks, and investment incentives.

Key Sectors for Foreign Investment

Navigating Cambodia’s Legal Landscape

1. Foreign Ownership Rules

   • 100% foreign-owned firms allowed in most sectors (exceptions: land ownership).

   • QIPs (Qualified Investment Projects) get tax holidays (up to 9 years).

2. Loan Requirements

   • Business license (from CDC/MoC)

   • Feasibility study (for large projects)

   • Collateral (local/overseas assets accepted)

3. Repatriation of Profits

   • No restrictions on USD dividends or loan repayments.

Success Story: German Auto Parts Manufacturer

A Stuttgart-based company secured a $3.2M Khat Alhayat loan to build a Phnom Penh factory, creating 200+ jobs. Benefits included:
4-year tax exemption (via CDC QIP status)
Lower labor costs vs. Vietnam/Thailand
Duty-free exports to ASEAN/EU markets

Start Your Cambodian Venture Today

Need a loan? Get pre-approved in 72 hours.
Exploring JVs? We connect you with vetted local partners.
Project financing? Our experts structure deals for minimum risk.

Contact Khat Alhayat Now – Your gateway to Cambodia’s growth.