CREDIT stands out for its accessible, quality individual lending to entrepreneurs. Repayment terms are flexible and payments can be made at the office or in the field. Loans are made in both dollar and riel, and loan sizes vary from 500,000R to 40,000,000R and from US$200 to US$10,000 according to the client's need, collateral and assessment of capacity to repay.

The majority of clients borrow in groups of 2 to 5 members. These group loans range up to 2 million riel or US$500. Repayment terms are as flexible as terms for individual loans, with the additional benefit that in most cases clients are not required to have physical collateral.

CREDIT believes in the capacity of the poor to save and in the necessity of a financial

institution balancing savings and loan activities. CREDIT borrowers have an average savings balance of US$22, and the organization's total customer deposits represent 11% of assets, far higher than 4% average of Cambodian MFIs.