Small and medium enterprises (SMEs) are the backbone of Cambodia's economy, accounting for over 70% of employment. Yet access to finance remains one of the biggest challenges for Cambodian SMEs. Here's what's available in 2026.
Major SME Finance Providers
Wing Bank — $500M SME Commitment
In December 2025, Wing Bank pledged USD 500 million to support SMEs across Cambodia — the largest single SME finance commitment by a Cambodian bank. Wing offers:
- Digital SME loans via mobile app
- Working capital finance
- Trade finance
- Two-in-one Mastercard card for business expenses
ABA Bank — Digital SME Banking
ABA Bank (Bank of the Year 2025) offers comprehensive SME banking:
- Business loans and overdrafts
- Trade finance
- Digital business accounts
- J.P. Morgan cross-border payments for exporters (Apr 2026)
ACLEDA Bank — Largest SME Network
ACLEDA Bank has the largest branch network (270+ branches) and has historically been Cambodia's primary SME lender:
- SME loans
- Agricultural finance
- Trade finance
- Nationwide branch access
Microfinance for Micro-Enterprises
For very small businesses and sole traders:
- AMRET — Micro-loans from $200, 400,000+ clients
- AMK — Rural and women-owned business focus
- LOLC Cambodia — Competitive micro-loan rates
Digital Tools for SMEs
BanhJi
Cloud-based accounting software built for Cambodian SMEs. Features:
- Invoicing in English and Khmer
- Expense tracking
- Financial reports
- Affordable subscription pricing
KHQR for Merchants
Free QR code payment acceptance — zero setup cost, instant settlement via Bakong.
Government Support
The NBC's Financial Sector Development Strategy 2025–2030 includes specific provisions for SME finance, including:
- Credit guarantee schemes
- Digital lending frameworks
- Financial literacy programs
The FSA's Strategic Plan (September 2025) focuses on non-bank financial services for SMEs.
2026–2027 Outlook
- Wing Bank's $500M SME fund deployment
- AI-powered credit scoring (Sathapana Bank's Finbots.ai model)
- Open banking enabling more SME lending options
- Digital invoice financing emerging
Last updated: May 30, 2026. Fintech Cambodia is an independent directory.