Pawnshop Research

Required Documents:

1. Application form
2. Professional photo (white background)
3. Non-criminal issued by the Ministry of Justice
4. MoA and business registration certificate
5. Appointment letter for the representatives (if any)
6. National ID or passport of representatives
7. Residential certifications
8. Business address certifications
9. Business location photos (front, meeting room, vault and/or security boxes)
10. Educational background of representatives
11. Capital certification
12. Valid patent or taxation documentations
13. 3 years business plan

Fee and Capital Requirements:

Annual
Capital Security Br. Annual Fee Period
Size Max. Loan Fee
(KHR) Bond (KHR) (Y)
(KHR)
Small 20M – 40M 10% < 20% of Cap. or 4M 1M 0.5M 1
Pledge Medium 40M – 200M 10% < 20% of Cap. or 20M 2M 1M 3
or
Big (L1) 200M – 800M 10% < 20% of Cap. or 20M 3M 1.5M 3
Pawn
Big (L2) > 800M 10% < 20% of Cap. or 20M 4M 2M 3
Small 20M – 40M 10% < 20% of Cap. or 4M 0.5M 0.25M 1
Medium 40M – 200M 10% < 20% of Cap. or 20M 1M 0.5M 3
Transfer of the
Title for Security Big (L1) 200M – 800M 10% < 20% of Cap. or 20M 1.5M 0.75M 3
Big (L2) > 800M 10% < 20% of Cap. or 20M 2M 1M 3

Business Model:

1. Pawn’s license can be done with both moveable and immovable assets as the collateral. If default, pawnbroker cannot sell the
collateral unless he/she received the permission from debtor, or permission from the court.
2. Transfer of the Title for Security can only be done with moveable assets as the collateral. If default, pawnbroker can sell the
collateral of the moveable asset in exchange to the debt without going the court process.
3. The interest rate will be determined between Pawnbrokers and debtor, which will be in consent with the regulation and
provision of the Law that still effective.
4. This contract is effective to implement at maximum in Four (04) months executed from the pawned date and can be
renewable.

(Business Model)