PHNOM PENH CREDIT DESK:
Imperium Capital
IMPERIUM CAPITAL
Underwriting Process
FOUR-PHASE DISBURSEMENT FRAMEWORK

Execution Timeline
From Submission to Funding in 72h

We eliminate unnecessary banking bureaucracy. Our streamlined four-phase underwriting framework delivers preliminary appraisal within 24 hours and direct capital disbursement within 72 hours.

01
HOUR 0 – 12
● Initial Intake

Digital Deal Submission & Review

Submit your borrower details and pledged collateral asset (copy of Phnom Penh Hard Title or vehicle identification cards) via our encrypted portal or direct Telegram desk.

✓ $0 Upfront Deposit Required • Encrypted Review
02
HOUR 12 – 24
● Physical Appraisal

Collateral Valuation & Cadastre Check

Our valuation team conducts an on-site inspection and rapid title verification with the District Cadastre to confirm boundary demarcation, zoning status, and encumbrance freedom.

✓ 100% Free Appraisal • Zero Out-of-Pocket Expense
03
HOUR 24 – 48
● Underwriting

Binding Term Sheet Issuance

We deliver a clear, binding term sheet outlining the exact approved facility size, interest rate, amortization schedule, and legal closing checklist for borrower execution.

✓ Clear Institutional Terms • No Hidden Penalties
04
HOUR 48 – 72
● Funding Complete

Hypothec Registration & Fund Disbursement

Formal hypothec agreement executed at the District Cadastre or Sangkat. Capital is disbursed directly into the borrower's bank account via ABA Bank or Bakong real-time transfer.

✓ Full Capital In Account • Success Fee Deducted on Closing Only
BORROWER PREPARATION

Required Documentation Checklist

Keep these minimal documents ready for rapid 72-hour execution.

Hard Title Collateral
COLLATERAL CATEGORY 01

Hard Title Collateral

  • ✓ Original or clear color copy of Phnom Penh Hard Title Certificate
  • ✓ Borrower Cambodian National ID or Passport
  • ✓ Family Book or Residence Book
  • ✓ Brief photo of the property / land parcel
Vehicle & Fleet Collateral
COLLATERAL CATEGORY 02

Vehicle & Fleet Collateral

  • ✓ Original Vehicle Registration Card
  • ✓ Valid Road Tax Stamp & Technical Inspection Certificate
  • ✓ Vehicle Owner National ID Card
  • ✓ Recent odometer reading and 4-side photos of the vehicle