This case study highlights how access to finance from FHF CAPITAL PLC helped strengthen a small business dedicated to improving access to safe drinking water and promoting community health.

Mr. EAV Ponnaroth, a resident of Dangkor District, Phnom Penh. His business was founded on a strong awareness of Cambodia’s ongoing challenges related to access to clean and safe water—particularly in rural areas where water quality remains a serious health concern.

Business Value and Social Impact

The products do not require electricity, helping customers save on energy costs. Users can simply pour water into the filter tank at night and safely consume clean water the next morning. In addition to selling products, the business provides maintenance services, user guidance, and advice on filter replacement schedules to ensure long-term safety and effectiveness. Through these services, the business contributes directly to public health improvement.

The Challenge

Before applying for a loan, Mr. Ponnaroth faced cash flow constraints that limited his ability to import products from overseas partners and maintain sufficient inventory to meet growing market demand. This restricted the business’s growth and responsiveness to customers.

The Solution

To overcome this challenge, he applied for a business loan from FHF CAPITAL after learning about the institution through staff referrals and its official communication channels. The financing enabled him to increase inventory levels, ensure timely product supply, and better serve his customers.

Why FHF CAPITAL

Mr. Ponnaroth expressed high satisfaction with FHF CAPITAL’s services, citing:

• Fast and simple loan application process
• Friendly and professional staff
• Reasonable interest rates
• No collateral requirement
• Digital document submission, saving time and costs

Following the loan disbursement, his business was able to grow steadily, with improved stock availability and faster customer service.

“FHF CAPITAL is a trustworthy financial partner. Before taking any loan, borrowers should carefully study the institution to avoid risks from informal lenders, which are increasingly common today,” Mr. Ponnaroth advised.

Impact

This case demonstrates how responsible and accessible financing can empower small businesses to expand operations while delivering essential clean water solutions to communities. Through its support of WASH-related enterprises, FHF CAPITAL continues to promote financial inclusion, public health, and sustainable livelihoods across Cambodia.