Unexpected expenses? Seasonal gaps? Short-term funding needs? 
With a Secured Overdraft Loan from Wing Bank, you get easy access to funds when you need them—pay interest only on what you use and stay in control of your cash flow. 

 

  • Loan starting from USD 500 
  • Interest rate from 8.50% p.a. 

Why a Secured Overdraft Works for You 

 

Fast & Predictable Access 

Get your approval in just a few days—so you’re ready when opportunities or needs arise. 

 

Flexible Use & Repayment 

Draw funds anytime within your approved limit and repay based on your cash flow, with repayment options designed to support your business cycle. 

 

Lower Cost Borrowing 

Enjoy competitive interest rates, charged only on the amount you use. 

 

Strong Financing Support 

Borrow up to 70% of your collateral value, helping you unlock liquidity without selling assets.

 

Simple & Secure Process 

Secured with hard or soft title deeds, with minimal paperwork and clear terms. 

Benefits for You!  

 

  • Fast approval in just a few days 
  • Flexible repayment options 
  • Simple application via Digital channels or our Lending Team 

 

Product Features

 

Feature Details 
Purpose Business use —ideal for working capital and short-term operational needs 
Eligibility Cambodian main borrower / co-borrower can be Cambodian or Foreigner 
Age Requirement 18 – 65 years (at loan maturity) 
Loan Amount From USD500 
Interest Rate From 8.50% p.a. 
LTV Up to 70% of collateral value 
Loan Term Reviewed annually 
Repayment Method Monthly interest payment and principal payable at account maturity 
Insurance: Fire Insurance required for building (Loan limit > USD100,000) 

How to Apply 

 

Step 1: Start the Conversation 

Apply online, contact our Lending Team or District Bankers, chat on Facebook, or call 023 999 989. 

 

Step 2: Share Basic Information 

Submit your National ID and income documents digitally or in person. 

 

Step 3: Review & Follow-Up 

Our team will collect supporting documents and conduct a site visit if required. 

 

Step 4: Approval & Credit Line Setup 

Once approved, your overdraft facility is activated based on agreed terms. 

 

Step 5: Access Funds When Needed 

Access funds as needed and repay flexibly while keeping your business running smoothly. 

Get Started Today 

 

Keep your business moving with fast approvals, flexible repayment options, and funding you can rely on. 
Our team is ready to support you at every step. 

 

Contact Us for Support 

 

Need help or have questions? Our team is ready to assist you: 

Shape

  • Visit any Wing Bank Branch or Corporate Dealer to speak to our loan officers, who are ready to assist you. 
  • Call our customer service at 023 999 989 
  • Chat or call via the “Help” feature in the Wing Bank app 
  • Message our verified Wing Bank Facebook page 

Talk to Us Today

We’re ready to help you take the first step.

Call
(+855) 23 999 989
Email
care.centre@wingbank.com.kh
Chat via
Wing Bank App
Message our
verified Facebook page