Simple, unsecured working capital loans that grow with your business activity

SMART Credit Business

SMART Credit Business is a scalable working capital loan for small business customers of Yoma Bank, with loan amounts that increase as your business grows and as you repay prior loans on time. With initial loans of up to 5,000,000 MMK, and renewals as high as 10,000,000 MMK, SMART Credit Business can help grow your enterprise, without requiring collateral, extensive paperwork, or guarantors.

Apply for a SMART Credit Business Loan


Features and Benefits

Scalable Financing
With a loan offer that grows with your transaction volume, your business will always have the capital it needs to thrive. 

Automatic Repayment
Equal monthly installments are automatically deducted from borrowers’ SMART account, with reminder SMS messages sent before each payment due date.

Easy to Apply
Apply through our simple and easy online application [Include Link]

Current Partners for SMART Credit Business
  • Wave Money
  • Union of Myanmar Tourism Association
  • Shop.com.mm
  • Grab 


Smart Credit Business is available to any small business in Myanmar with a business license or company registration. Apply to find out more.


Interest, Fees and Loan Term

Maximum loan term
1-3 months for initial loan, up to 12 months for subsequent loans
Interest** 
16% per annum
 Unsecured loan fees
 Very low; based on borrower relationship with Yoma Bank

*Monthly payments, interest and fees deducted automatically from your SMART Account on the due date
**Interest calculated daily and charged monthly