Business growth rarely goes exactly according to plan. Sometimes a large order arrives before payment is received, equipment is needed immediately, and expansion cannot be postponed. At such times, timely access to financing is especially important.
Until 31 October 2026, DemirBank is offering sole proprietors and companies special terms on business loans:
- business loans - from 17% per annum;
- loans under the "Aruuke" program for women entrepreneurs - from 16% per annum;
- agricultural loans - from 16% per annum.
Financing may be used to purchase goods and raw materials, replenish working capital, acquire equipment and fixed assets, finance construction, and implement other investment projects.
Depending on the needs of the business, loans, credit lines, and overdrafts are available. Financing terms range from 3 to 36 months for working capital purposes and from 3 to 60 months for investment projects.
Financing above KGS 25 million is considered on an individual basis.
Interest rates by loan amount
| № | Loan amount | SME loans | Agricultural loans and the "Aruuke" program | ||
|---|---|---|---|---|---|
| 1 | Up to KGS 500,000 | from 19% | from 17% | ||
| 2 | Up to KGS 2,000,000 | from 18% | from 17% | ||
| 3 | Up to KGS 5,000,000 | from 18% | from 17% | ||
| 4 | Up to KGS 10,000,000 | from 17% | from 16% | ||
| 5 | Up to KGS 25,000,000 | from 17% | from 16% | ||
| 6 | Above KGS 25,000,000 | by agreement | by agreement | ||
The final financing terms are determined individually, taking into account the loan amount, purpose, and the results of the application review.
To choose the most suitable option, visit your nearest DemirBank branch or call 2222. A bank specialist will provide detailed information on the terms and required documents.
The special terms are valid until 31 October 2026.
*AEIR from 17.2%. NBKR License No. 035.