Business loans are intended for individual entrepreneurs and legal entities that operate within the territory of the Kyrgyz Republic and have small or medium-sized businesses in the following areas: trade, services, production, processing and other areas.

The requirements for the borrower are simple:

  • A borrower must have citizenship of the Kyrgyz Republic;
  • A borrower must be at the age of 18 – 70 including;
  • A borrower must have a positive credit score where the potential customer:

The list of documents is minimal:

  • Copy of client’s passports, his spouse/her husband, and guarantors (if nessesary);
  • Copy of the passport of the pledger and his spouse/her husband (in case of the secured loan);
  • Documents concerning the borrower’s marital status;
  • Other necessary documents on the customer’s business

Financing conditions:

  • Currency: KGS
  • Repayment schedule: annuity
  • In the case of obtaining the loan with insurance the interest rates wil be reduced on 2%. Example: without insurance – 36%, with insurance – 34%. Additional information you can find here.

Unsecured lending

Amount Term Interest rate Security
from 10 000 to 150 000 KGS  from 1 to 18 months 10 000 – 50 000 KGS  – 42%
50 001 – 80 000 KGS – 40% 
80 001 – 150 000 KGS – 38%
 

from 150 001 to 250 000 KGS –one guarantor

from 250 001  to 300 000 KGS – two guarantors

from 150 000  to 300 000 KGS
from 1 to 24 months
150 001 – 300 000 KGS – 36%
Secured lending
Amount Term Interest rate Security
from 200 000  to 1 000 000 KGS  from 6 to 36 months 28% per annum Immovable property

Mixed collateral (immovable + movable property)

A cash service fee of 1.7% of the disbursed loan amount.
Payment of the insurance premium can be deferred, with a monthly payment for 12 months.

*Effective interest rate starting from 31.88%.
*Loan Committee may ask for a guarantee regardless of the loan amount.
*A guarantor is required for customers with no credit score requesting more than 105 000 KGS
*In the case of obtaining the unsecured loan with insurance, the above interest rates can be reduced by 2%. Example: without insurance – 38%, with insurance – 36%.

Agro loan – proceeds under this product can be issued to support and develop agricultural activities: livestock, poultry, beekeeping and fisheries, crop and horticulture, harvesting, and processing of agricultural products.

The requirements for the borrower are simple:

  • A borrower must have citizenship of the Kyrgyz Republic;
  • A borrower must be at the age of 18 – 70 including;
  • A borrower must have a positive credit score where the potential customer:

The list of documents is minimal:

  • Copy of client’s passports, his spouse/her husband, and guarantors (if nessesary);
  • Copy of the passport of the pledger and his spouse/her husband (in case of the secured loan);
  • Documents concerning the borrower’s marital status;
  • Other necessary documents on the customer’s business

Financing conditions:

  • Currency: KGS
  • Repayment schedule: annuity
  • In the case of obtaining the loan with insurance the interest rates wil be reduced on 2%. Example: without insurance – 38%, with insurance – 36%. Additional information you can find here.

Unsecured lending

Amount Term Interest rate Security
from 10 000 to 150 000 KGS  from 1 to 18 months 10 000 – 50 000 KGS  – 42%
50 001 – 80 000 KGS – 40% 
80 001 – 150 000 KGS – 38%
 

from 150 001 to 250 000 KGS –one guarantor

from 250 001  to 300 000 KGS – two guarantors

from 150 000  to 300 000 KGS
from 1 to 24 months
150 001 – 300 000 KGS – 36%
Secured lending
Amount Term Interest rate Security
from 200 000  to 1 000 000 KGS  from 6 to 36 months 28% per annum Immovable property

Mixed collateral (immovable + movable property)

A cash service fee of 1.7% of the disbursed loan amount.
Payment of the insurance premium can be deferred, with a monthly payment for 12 months.

*Effective interest rate starting from 31.88%.
*Loan Committee may ask for a guarantee regardless of the loan amount.
*A guarantor is required for customers with no credit score requesting more than 105 000 KGS
*In the case of obtaining the unsecured loan with insurance, the above interest rates can be reduced by 2%. Example: without insurance – 38%, with insurance – 36%.

Loan financing of the value-added chain is intended for farmers who are suppliers of dairy products of our partners “Ak-Bulak Plus” LLC and “Ak-Zhalga” CJSC.

Farmers can use the proceeds received to purchase dairy cows and equipment, build or repair cattle pens and finance other operating needs related to milk production.

The requirements for the borrower are simple:

  • A borrower must have citizenship of the Kyrgyz Republic;
  • A borrower must be at the age of 18 – 70 inclusive;
  • A borrower must have a positive credit score where the potential customer:

The list of documents is minimal:

  • Copy of client’s passports, his spouse/her husband, and guarantors (if nessesary);
  • Copy of the passport of the pledger and his spouse/her husband (in case of the secured loan);
  • Documents concerning the borrower’s marital status;
  • Other necessary documents on the customer’s business

Financing conditions:

  • Currency: KGS
  • Repayment schedule: annuity
  • In the case of obtaining the loan with insurance the interest rates wil be reduced on 2%. Example: without insurance – 34%, with insurance – 32%. Additional information you can find here.

From the Company’s funds

Amount Term Interest rate Security
From 20 000 to 300 000 KGS 3-18 months 34% – without insurance 20 000 – 150 000 KGS without guarante
150 001 – 300 000 KGS third-party guarante
From RKDF funds
Amount Term Interest rate Security
From 300 001 to 500 000 KGS 3-24 months 14% per annum  Immovable property

*Commission for cash services 1.7% of the loan amount issued if the financing is from the company’s funds
*Effective interest rate from 14.93%.

 

Credit Calculator

c

5000
25000
50000

1 мес
12 мес
18 мес

Monthly payment

4874

Interest rate

30 %

Total loan amount

58492

Credit term

12

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