Bank loans - one of the effective instruments of business and entrepreneurship development. Loans are intended for legal entities and individual entrepreneurs

Small business loans is an opportunity to expand production or product base, implement innovative technologies, equip new workplaces, etc.Credit programs for entrepreneurs are designed for different needs.

DemirBank will open you wide world of financial opportunities and help to realize your entrepreneurial ideas into life!

Loan amount from 100 000 USD (equivalent in national currency)
% rate for loans in KGS frоm 19% per annum*
*Effective interest rate from 22,4%
% rate for loans in USD from 13% per annum*
*Effective interest rate from 15,23%
Term - up to 2 years for working capital
- up tо 5 years for investment projects
Grace perios          up to 6 month
Repayment conditions - annuity- principal amount and interest -  monthly by equal parts 
- flexible schedule for principal amount depending on business
Collateral - real estate
- movable property (vehicles, equipment, goods in turnover, personal property )
- suretyship / guarantee
Insurance of collateral   required depending on type of collateral

If you have questions you can refer to specialists at the DemirBank Contact-center: +996 (312) 90 90 60

  • Package of foundation documents
  • Financials with detailed explanations for/as of the last 3 years and for/as of the last reporting date
  • Confirmation letter on availability /absence of credits and statements from all servicing banks
  • Current agreements/contracts (copies)
  • Confirmation on absence of debts to budget on tax and payments to Social Fund
  • Decision of the control body for getting a loan
  • Ownership documents for collateral items and confirmation on absence of arrest for property to be pledged
  • Documents on assessed value of collateral made by appraiser acceptable for the Bank
  • Other documents by the Bank’s request
  • Copies of applicant’s passport, spouse/spouses of applicant, guarantor, spouse/spouses of guarantor
  • Copy of certificate on registration of private entrepreneur in statistic organs, in Social Fund or insurance policy, TIN card or patent
  • Copy of license (if applicable)
  • Current agreements/contracts (if any)
  • Rent agreement (copy) or ownership documents for trade/production point
  • Confirmation on absence of debts from State Tax Inspection and Social Fund
  • Confirmation letter on availability /absence of credits and statements from all servicing banks
  • Ownership documents for collateral items and confirmation on absence of arrest for property to be pledged
  • Documents on assessed value of collateral made by appraiser acceptable for the Bank
  • Other documents at the Bank’s request