BRGS aims to support businesses including Micro, Small and Medium Enterprises (SMEs) and Large
Firms to enhance their access to formal loans for both working capital and investment or business expansion.
Supporting business survival and economic recovery during
the COVID-19 pandemic in line with Government's policies
Acting as collateral/security for 70%-80% of the loan amount borrowed from the PFIs, making SMEs more bankable
Helping businesses access to financing and improving financial inclusion in Cambodia
Sustaining business operation during COVID-19 outbreak and providing capital investment for business expansion
Serving as a policy tool for long-term growth of SMEs
Diversifying and sharing risks with PFIs, allowing more loans
to be approved for SMEs
Growing and cultivation of crops
Food manufacturing and processing
Production of goods for the tourism sector
Manufacturing of local consumable goods
Manufacturing of finished products, spare parts, or assembling parts
Transportation and logistics
Digital and ICT
Noted: *Non-Priority Sectors are those sectors besides the sectors listed above. Non-Priority Sectors are also eligible for the BRGS.
For loans to be qualified for the CGCC’s guarantee scheme, the borrowers must fall into the following criteria:
The Borrower must be a majority Cambodian-owned business (>50% ownership).
The Borrower must produce a business
registration issued by appropriate government
The Borrower who is a non-registered business must
proceed with the registration after the guarantee is
approved. If the borrower remains a non-registered
business, an additional guarantee fee of 0.5% per
annum of the guaranteed amount will be imposed on
every anniversary of the guarantee.
All Borrowers should be financially viable
How to apply for BRGS?
For loans to be qualified for the CGCC’s guarantee
scheme, the borrowers must fall into the following
Borrowers including micro, small and medium
enterprises, and large firms need to apply for a
loan under BRGS from any of the CGCC’s PFIs.
After evaluating and approving the loan, the
PFIs submit a guarantee application for the
loan to CGCC for guarantee. PFIs shall not
disburse the loans before the guarantee
application is approved by CGCC.
CGCC evaluates the guarantee application for
the loan submitted by the PFIs. If the application
is approved, CGCC will issue a Letter of Guarantee
to the PFIs for the loan.
After the Letter of Guarantee is issued, the
PFIs will disburse the Guaranteed Loan to