Business loans

Business loans are intended for individual entrepreneurs and legal entities operating in the Kyrgyz Republic and having small and / or medium business in the following areas: trade, production, construction, provision of services and other areas.


1. credit "Business-Trust" (unsecured loan)

  • Loan description: short term of review, no collateral required
  • Term of examination: 2 days
  • Loan amount: from 2 000 to 150 000 KGS KR
  • Term of the loan: from 3 to 18 months
  • Interest rates: in soms KR 29,4%
  • Loan repayment: monthly equal installments, flexible schedule
  • Security: a guarantee of at least 1 financial guarantor
  • Insurance: not required
  • Mandatory condition: business availability
  • No commission


         * The effective interest rate is: 34,2%,

2. "Business Trust" credit (secured by movable property)

  • Description of the loan: a short period of consideration, on the security of movable property, there is a limit on the amount.
  • Term of examination: 2 days.
  • The loan amount is from 2 000 to 250 000 KGS KR/ RUB
  • Term of the loan: from 3 to 24 months.
  • Interest rates: in soms of the KR from 28% -29,4%, in rubles of the RF from 26-29%
  • Loan repayment: monthly equal installments, flexible schedule.
  • Security: movable property, deposit, guarantee, goods in circulation, livestock and personal property.
  • Insurance: not required.
  • Obligatory condition: availability of business.
  • No commission


    * The effective interest rate is KGS: 32,4%- 34,2%, RU: 29,8%-33,7%

3. credit "Business Development"

  • Description of the loan: a mandatory condition - a pledge of real estate.
  • Term of examination: 10 days.
  • Loan amount: from 2 000 to 5 000 000 KGS KR/RUB, from 50 to 100 000 USD / EUR;
  • Term of the loan: from 3 to 60 months (depending on the purpose of the loan).
  • Interest rates: in soms KR from 23-28%, in rubles RF from 20-26%, in US dollars / euros from 16% -21%.
  • Loan repayment: monthly equal installments, flexible schedule
  • Security: real estate, movable property, deposit, guarantee
  • Insurance: by decision of the Bank.
  • Obligatory condition: availability of business.
  • No commission


         * The effective interest rate is KGS: 23,5%-32,4%; RU:22,3%-29,8%; USD / EUR: 16,3%-23,5%

4. Corporate loans

  • The objectives of the loan: the development of business.
  • Term of examination: 10 days.
  • The loan amount: from 5 000 000 KGS/RUB and more, from 100 000 US dollars / euro and above,
  • Term of the loan: from 3 to 60 months
  • Interest rates: in soms KR from 21-24%, in rubles RU from 20%-22%, in US dollars / euros from 15% -19%.
  • Loan repayment: monthly equal installments, flexible schedule.
  • Security: real estate, movable property, deposit, surety.
  • Insurance: by decision of the Bank.
  • Obligatory condition: availability of business.
  • No comission 


    * The effective interest rate is KGS: 23.5%-27,2%, RU: 23,5%-27,2%; USD / EUR: 16,3%-21,1%

 

5. Business - Overdraft

  • Description: This short-term lending will solve your problems with a temporary lack of funds in the current account (cash gaps) associated with uneven receipt of money and a mismatch in the timing of financial inflows with the dates on which to pay expenses.
  • Benefits:
  • Execution of payment documents with a lack of funds in the current account;
  • Elimination of temporary cash gaps;
  • Issuance of trenches without concluding contracts or additional agreements.
  • Loan amount: up to 5 million soms, for trading houses - up to 15 million soms
  • Overdraft limit: up to 30% of the average monthly turnover (for the last 6 months;
  • Currency: KGS, US dollar;
  • Loan term: from 6 to 12 months;
  • Interest rate: 30% per annum;
  • Loan repayment: monthly in equal installments, flexible schedule.
  • No commission

* Effective interest rate: from 35.04%,


6. Credits of OJSC Commercial Bank KYRGYZSTAN with the participation of the Guarantee Fund guarantee!


Credits of OJSC Commercial Bank KYRGYZSTAN with the participation of the Guarantee Fund guarantee!

Guarantee Fund - allows, in the event that the borrower does not have enough collateral to obtain the right amount of the loan, obtain a guarantee from OJSC "GF" to cover a not sufficient amount of collateral:

 

Options:

  • The Fund guarantees part of the principal amount of the Loan, which is not fully covered by the Borrower, but not more than 50% of such Loan.
  • For the provision if the Guarantee, the Borrower shall pay to the Fund a one-time commission of 2,5% of the Guarantee amount.
  • The Fund's Guarantee is issued on Loans in national and foreign currencies.

Site of the Guarantee Fund

 

* Dear clients, if you encounter illegal actions or unreasonable requests from the Bank's employees when reviewing applications or issuing loans, we ask you to report such cases to the Bank's Contact Center at 0 312 61-33-33 or WhatsApp +996 770 33 -33-69.

All such cases will be considered personally by the Bank's management.

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