Loans to small and medium enterprises (sme)

For entrepreneurs, for business development.

  • “Business” – a quick loan for business development without pledge of real estate or other collateral.
  • "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.

From 20.03.2020, maximum loan amount up to KGS 250,000

Interest rate

from 18%*

Upfront  fee

no commission



Loan term

from 3 to 60 months during special offer

Loan amount

from KGS 5 000 to KGS 7,000,000


Guarantee and/or movable and/or immovable property.

* Effective interest rate 19,70 % during special offer

Unsecured business loans without a guarantee up to KGS 100,000 (KGS 250,000 for repeat clients) are only provided to clients with good credit history in the recent 12 months preceding the application date.

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

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 three 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


Loan Repayment Schedule

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

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