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 (for clients purchasing an insurance policy, the age limit is 73 years 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
- When obtaining a loan with insurance, interest rates are reduced according to the table. Payment of the insurance premium for secured loans can be distributed as a monthly payment for 12 months
Unsecured lending
| Amount | Term | Interest rate | Security |
|---|---|---|---|
| from 10,000 to 300,000 (inclusive) | from 1 to 18 months (up to 150,000 soms)
from 1 to 24 months (from 150,001 to 300,000 soms) |
10,000 – 100,000 soms – 45% (with 44% insurance) 100,001 – 200,000 soms – 43% (with 41% insurance) 200,001 – 300,000 soms – 39% (with 37% insurance) |
For a client with a credit history
Up to 200,000 soms (incl.) – without a guarantor Over 200,000 soms -1 guarantor For clients with no credit history Up to 150,000 soms (incl.) – without guarantee Over 150,000 soms -1 guarantor |
Secured lending
| Amount | Term | Interest rate | Security |
|---|---|---|---|
| from 200,000 to 1,000,000 soms | from 6 to 36 months | 30% per annum | Real estate (house, apartment, commercial non-residential premises and objects, etc.)
Additionally, movable property is accepted if the assessed value of the real estate does not reach the collateral coverage ratio |
*Effective interest rate starting from 35,03%.
*Loan Committee may ask for a guarantee regardless of the loan amount.
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 (For customers purchasing an insurance policy, the age limit is 73 years 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
- When receiving a loan with insurance, interest rates are reduced according to the table. Payment of the insurance premium for mortgage loans can be spread over 12 months with monthly payments
Unsecured lending
| Amount | Term | Interest rate | Security |
|---|---|---|---|
| from 10,000 to 300,000 (inclusive) | from 1 to 18 months (up to 150,000 soms)
from 1 to 24 months (from 150,001 to 300,000 soms) |
10,000 – 100,000 soms – 45% (with 44% insurance) 100,001 – 200,000 soms – 43% (with 41% insurance) 200,001 – 300,000 soms – 39% (with 37% insurance) |
For a client with a credit history
Up to 200,000 soms (incl.) – without a guarantor Over 200,000 soms -1 guarantor For clients with no credit history Up to 150,000 soms (incl.) – without guarantee Over 150,000 soms -1 guarantor |
Secured lending
| Amount | Term | Interest rate | Security |
|---|---|---|---|
| from 200,000
to 1,000,000 soms |
from 6 to 36 months | 30% per annum | Real estate (house, apartment, commercial non-residential premises and objects, etc.)
Additionally, movable property is accepted if the assessed value of the real estate does not reach the collateral coverage ratio |
*Effective interest rate starting from 35,03%.
*Loan Committee may ask for a guarantee regardless of the loan amount.
*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 (For customers purchasing an insurance policy, the age limit is 73 years 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
- When obtaining a loan with insurance, interest rates are reduced according to the table.
From the Company’s funds
| Amount | Term | Interest rate | Security |
|---|---|---|---|
| From 20,000 to 300,000 soms inclusive | from 3 to 18 months (up to 150,000 som incl.)
from 3 to 24 months (from 150,001 to 300,000 soms incl.) |
41% (with 39% insurance) |
For a client with a credit history
Up to 200,000 soms (incl.) – without a guarantor Over 200,000 soms -1 guarantor For clients with no credit history Up to 150,000 soms (incl.) – without guarantee Over 150,000 soms -1 guarantor |
*Commission for cash services: According to the Tariffs for individual services
*Effective interest rate from 47,55%.
Credit Calculator
Monthly payment
4874
Interest rate
30 %
Total loan amount
58492
Credit term
12
Success stories
Any questions left?
You can leave a request for advice from the sales manager using this form
