Loans to small and medium enterprises (sme)

For entrepreneurs, for business development.

  • “Jenil” – an unsecured microloan against guarantee.
  • “Iygilik-Express” – a quick loan for business development without pledge of real estate or other collateral.
  • “Ishker” – loans for development of small and medium businesses to make investments in equipment, commercial property, production premises, and to finance working capital.
  • "Credit line" – the provision of loans within the general limit of credit line for replenishment of the current assets, including financing the business cycle and seasonal needs.

Terms and conditions of loans


Interest rate

from 18.0% to 32.98% per annum* 

Upfront  fee

from 0.75% to 4.0% of a loan amount



Loan term

from 3 months to 5 years

Loan amount

from KGS 5,000 to KGS 20,000,000


Guarantee and/or movable and/or immovable property.

 Loans up to 50 000 soms are issued without collateral and guarantee.

* Effective interest rate from 20.37%. 

If your collateral is not enough to get the needed loan amount, you can get a guarantee from “Guarantee Fund” JSC. Read the terms and conditions.     

For more information and calculation of the full cost of the loan, including the effective interest rate and all customer costs associated with obtaining a loan, contact our branches and savings offices. 

Documents needed to receive a loan:

  • Passports of a borrower, a guarantor, and a pledgor;
  • Income documents of a borrower and guarantors, depending on a loan repayment source: patent, self-employed entrepreneur’s certificate, salary certificate for the last six months, etc.;
  • Collateral documents (if applicable), depending on a type of provided collateral: technical passport of immovable property, title documents for property, vehicle registration certificate, etc.;
  • Other documents as requested by the Bank, depending on a loan type.

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Calculate the loan cost

Annual Interest Rate

Monthly Payment:

Total Amount of Repayments:

Loan Repayment Schedule

Amount of payment

These are sample calculations. You can receive more precise loan calculations from our loan officers.

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