from 10 000 som
up to 60 months
Business loans
from 10 000 som
up to 60 months
Information
Information:
Who Can Apply?
Our business loans are available to small and medium enterprises (SMEs) and individual entrepreneurs operating as legal entities within the Kyrgyz Republic. We offer tailored financing for businesses in Trade, Manufacturing, Construction, Service Provision, and other sectors.
Online Loan in MBusiness
Get Online Business Funding Fast with the MBusiness App
- Amount: up to KGS 500,000;
- Rate: 16% p.a. (Promotion runs until April 30, 2026);
- Term: up to 36 months;
- Security: no collateral or guarantee required;
- Review Time: up to 1 minute.
How You Get the Funds:
- KGS 200,000 or less — Direct to your MBusiness settlement account;
- Over KGS 200,000 — Available for pickup at a bank branch.
Required documents:
Zero Documentation Required. Apply and get funded instantly without paperwork.
Effective Interest Rate: from 18,53% p.a.
Instant Unsecured Loan: Funds in 60 Minutes
- Amount: up to KGS 500,000;
- Term: up to 60 months;
- Rate: in KGS - 21% p.a. (as part of the Spring Promotion until April 30, 2026);
- Security: completely unsecured;
- Zero commission;
- No business object visit required for application.
Required documents:
- Borrower's Passport;
- Income Verification Documents.
*Effective Interest Rate: from 24,56% in KGS.
Loan Secured by Guarantee or Vehicle! Get it in 1 day!
- Amount: up to KGS 1,000,000;
- Term: up to 60 months;
- Rate: 20% p.a. (as part of the Spring Promotion until April 30, 2026);
- Security: Personal guarantee or vehicle;
- Zero commission;
- Review Time: 1 business day.
Required documents:
- Borrower's Passport;
- Guarantor's Passport / Vehicle Registration Certificate;
- Guarantor's Marriage Certificate;
- In certain cases, we may request additional documents confirming your income stream.
*Effective Interest Rate: from 23,33% in KGS.
Real Estate-Backed Loan
Business Loan
- Amount: from KGS 750,001 / USD/EUR 5,000;
- Term: up to 60 months;
- Interest rates: 18%* p.a. in KGS, 10% p.a. in USD, and 15% p.a. in Euro,
- 17% p.a. in KGS for women entrepreneurs within the Women Entrepreneurship Development Program;
- Security: Real estate/Cash/Government securities/Bank guarantees/Property rights.
- The following may be accepted as additional security: movable property, surety, guarantee of JSC "Guarantee Fund";
- Review Time: 2 to 5 business days;
- Zero commission.
Business Mortgage:
- Amount: from KGS 250,000 / USD/EUR 5,000;
- Term: up to 120 months;
- Interest rates: in KGS - 18% p.a. for the first 36 months (then 20% per annum), in USD - 10% p.a., and in EUR - 15% p.a.;
- 17% p.a. in KGS for women entrepreneurs within the Women Entrepreneurship Development Program;
- Security: The purchased property, with a 30% down payment. If there is no down payment available, the following are required as collateral: Cash, Government securities, Bank guarantees, and Property rights.
- Movable property, surety, or a guarantee from the Guarantee Fund OJSC may be accepted as additional collateral;
- Review time: 2 to 5 days;
- Zero commission.
Required documents:
To ensure a smooth and efficient review of your application, please prepare the following documents:
1. Identity Documents
- Borrower, Spouse, and Guarantors (if applicable): Valid Passports.
- Pledger Identity (if a third party): Valid Passport of the Pledger and their Spouse.
- Family Status: Original Marriage Certificate (required for the borrower and any pledger).
2. Business and Income Proof
- Income Confirmation: Official documents confirming the income stream of the borrower.
- Business Registration: Certificate of registration as an Individual Entrepreneur or a valid Business Patent.
3. Collateral Documents
- Real Estate Pledge: All relevant documentation for the pledged property, including:
- Registration Certificate
- Title Document
- Certificate confirming the absence of restrictions or encumbrances on the property.
*Effective Interest Rates: Kyrgyz soms - from 20,15%, USD - from 11,64% and Euro - from 16.30%
Revolving Credit Line
Gain the power to manage your finances on your own terms. Get one-time approval from the Bank, and your funds will be available whenever you require them, giving you ultimate financial flexibility.
- Amount: from KGS 750,001 / USD/EUR 8,501 and more;
- Rate: 18%* p.a. in KGS, 10% p.a. in USD, and 15% p.a. in Euro,
- 17% p.a. in KGS for women entrepreneurs within the Women Entrepreneurship Development Program;
- Term: up to 36 months;
- Security: real estate, movable assets, deposit, guarantee;
- Zero commission;
- Review Time: 2 to 5 business days.
Required documents:
Required Documentation for Application
To ensure a smooth and efficient review of your application, please prepare the following documents:
1. Identity Documents
- Borrower, Spouse, and Guarantors (if applicable): Valid Passports.
- Pledger Identity (if a third party): Valid Passport of the Pledger and their Spouse.
- Family Status: Original Marriage Certificate (required for the borrower and any pledger).
2. Business and Income Proof
- Income Confirmation: Official documents confirming the income stream of the borrower.
- Business Registration: Certificate of registration as an Individual Entrepreneur or a valid Business Patent.
3. Collateral Documents
-
Real Estate Pledge: All relevant documentation for the pledged property, including:
- Registration Certificate
- Title Document
- Certificate confirming the absence of restrictions or encumbrances on the property.
*Effective Interest Rate from 20,06% in KGS, from 7,07% in USD, from 16,60% in Euro.
Business Overdraft
Provides quick, short-term access to funds directly through your bank account. It allows you to temporarily spend or make payments exceeding your available balance, up to a pre-agreed limit.
Core Benefits
- Seamless Payments: Ensure payment documents are executed on time, even when your current account balance is temporarily insufficient.
- Bridge Cash Gaps: Effectively eliminate temporary cash flow shortages without disrupting your operations.
- Simple Access: No need for new contracts or agreements for each drawdown—funds are instantly available up to your limit.
Product Details and Terms
- Maximum Limit: Up to KGS 5,000,000;
- Limit Calculation: Up to 40% of the average monthly turnover (based on the last 6 months);
- Available Currency: Kyrgyz Som (KGS) and US Dollar (USD);
- Maximum Term: Up to 12 months;
- Interest Rate: 28% per annum;
- Fees: Zero commission
- Repayment: Repayments are automatically applied from deposits into your card or current account, with a minimum required payment once per month.
*Effective Interest Rate: from 32,80%.
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