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: 18% p.a. Standard, 17% p.a. for Women Entrepreneurs via the "Business Women" campaign;
- Term: up to 36 months;
- Security: Completely Unsecured (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 19,66% p.a.
Loan Secured by Guarantee or Vehicle! Get it in 1 day!
- Amount: up to KGS 750,000;
- Term: up to 60 months;
- Rate: 19% p.a. (Promotion valid until January 15, 2026), 18% p.a. for Women Entrepreneurs within the "Business Women" campaign (valid until December 31, 2025);
- 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 20,96% in KGS.
Instant Unsecured Loan: Funds in 60 Minutes
- Amount: up to KGS 500,000;
- Term: up to 60 months;
- Rate: 21% p.a. (Promotion valid util January 15, 2026), 20% p.a. for Women Entrepreneurs within the "Business Women" campaign (valid until December 31, 2025);
- Security: completely unsecured;
- Zero commission;
- No business object visit required for application.
Required documents:
- Borrower's Passport;
- Income Verification Documents.
*Effective Interest Rate: from 23,39% in KGS.
Loan Secured by Movable Assets
- Amount: up to KGS 500,000;
- Rate: from 29% p.a.;
- Term: up to 60 months;
- Security: Personal guarantee or vehicle;
- Review Time: within 1 day of application;
- Zero commission.
Required documents:
- Borrower's Passport;
- Income Verification Documents.
*Effective Interest Rate: from 33,83% in KGS
Loan Secured by Real Estate
- Amount: from KGS 750,001 / USD/EUR 8,501 and more;
- Rate: 18%* p.a. in KGS, 6,5% p.a. in USD (Promotion valid until January 15, 2026), starting from 15%* p.a. in Euro
- Loans in KGS at 17% p.a. for Women Entrepreneurs within the "Business Women" campaign (valid until December 31, 2025);
- Term: up to 60 months;
- Security: real estate, movable assets, deposit, guarantee from OJSC "Guarantee Fund";
- Review Time: 2 to 5 business 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 Rate: from 18,73% in KGS, from 6,97% in USD, from 16,60% in Euro.
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, 6,5% p.a. in USD (Promotion valid until January 15, 2026), starting from 15%* p.a. in Euro
- Loans in KGS at 17% p.a. for Women Entrepreneurs within the "Business Women" campaign (valid until December 31, 2025);
- 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 18,84% 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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