Clean Bill Discount (CBD)

If you need cash for short-term working capital, you can quickly convert post-dated cheques from your customers to cash at Bangkok Bank.

Key Benefits

  • Turn post-dated cheques to cash quickly and easily
  • Improve the liquidity and cash flow of your business by receiving working capital faster
  • Receive the cash quickly, as the cheque is automatically deposited into your Bangkok Bank savings or current account
  • Able to check cash from clean bill discounts via Bualuang iBanking and BIZ iBanking 24/7
  • Available for both individual and juristic person customers

Type of Loan

Short-term loans. Bangkok Bank will buy clean bills at the discount rate up to the limit of your credit ceiling. Repayment is made on the date posted on the cheques, up to 90 days after the date we buy them from you.

Credit Line

As per Bangkok Bank’s conditions

Loan Term

Up to 90 days

Collateral

Deposits, property or movable property

Qualifying Criteria

  • Individual business owner or juristic person
  • Age 20 - 65 years old (for individual customers)
  • Good business performance and financial record
  • Authorization to Bangkok Bank to check National Credit Bureau record
  • Other conditions as specified by Bangkok Bank


Required Documents




Required documents

               Individual  

         Juristic person  

 Borrower/
 co-borrower

 Guarantor/
 spouse

   Juristic
   person

Authorized signatory/ shareholders who hold more than 20% of total stock
Identification documents
A copy of your ID card

-

A copy of your housing registration record

-

A copy of your changed name/surname certificate
(if applicable)

 

 

-

 

A copy of your marriage/
divorce certificate
(if applicable)

 

 

 

A copy of the trade or commercial registration papers

-

-

-

A copy of the certificate of association for business purposes and articles of association issued by the Commerce Ministry (not more than one month old)

-

-

-

The Memorandum and Articles of Association
(not more than three months old)

-

-

-

List of shareholders
(not more than three months old)

-

-

-

Certificate of the company’s seal

-

-

-

Financial documents
A copy of bank account activity for the past six months 

-

Copies of company financial statements for the past three years

-

-

-

A copy of VAT records
(dating back for six months)

-

-

-

Collateral documents
A copy of the documents of ownership to be pledged as collateral e.g. land deed, ownership of building (if the land has any building), deposit pass book (if using a deposit as collateral)

    

-

-


Remark: Bangkok Bank reserves the right to approve loans under its terms and conditions

Type of Loan

Short-term loans. Bangkok Bank will buy clean bills at the discount rate up to the limit of your credit ceiling. Repayment is made on the date posted on the cheques, up to 90 days after the date we buy them from you.

Credit Line

As per Bangkok Bank’s conditions

Loan Term

Up to 90 days

Collateral

Deposits, property or movable property

Qualifying Criteria

  • Individual business owner or juristic person
  • Age 20 - 65 years old (for individual customers)
  • Good business performance and financial record
  • Authorization to Bangkok Bank to check National Credit Bureau record
  • Other conditions as specified by Bangkok Bank


Required Documents




Required documents

               Individual  

         Juristic person  

 Borrower/
 co-borrower

 Guarantor/
 spouse

   Juristic
   person

Authorized signatory/ shareholders who hold more than 20% of total stock
Identification documents
A copy of your ID card

-

A copy of your housing registration record

-

A copy of your changed name/surname certificate
(if applicable)

 

 

-

 

A copy of your marriage/
divorce certificate
(if applicable)

 

 

 

A copy of the trade or commercial registration papers

-

-

-

A copy of the certificate of association for business purposes and articles of association issued by the Commerce Ministry (not more than one month old)

-

-

-

The Memorandum and Articles of Association
(not more than three months old)

-

-

-

List of shareholders
(not more than three months old)

-

-

-

Certificate of the company’s seal

-

-

-

Financial documents
A copy of bank account activity for the past six months 

-

Copies of company financial statements for the past three years

-

-

-

A copy of VAT records
(dating back for six months)

-

-

-

Collateral documents
A copy of the documents of ownership to be pledged as collateral e.g. land deed, ownership of building (if the land has any building), deposit pass book (if using a deposit as collateral)

    

-

-


Remark: Bangkok Bank reserves the right to approve loans under its terms and conditions



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