Loans to small and medium enterprises (sme)

For entrepreneurs, for business development.

  • “Business Express” – an unsecured microloan against guarantee.
  • “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.

Special Offer: From November 22 to December 31, 2019, Kompanion Bank reduces interest rates to 17% per annum for business loans.

Interest rate

from 18% per annum* from 17% per annum*

Upfront  fee

from 1% to 4% 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.


* Effective interest rate 20.25

* Effective interest rate from 19.08% for the period of a special offer

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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