Often, when thinking about starting a business, a person doubts the viability of their idea. However, in practice, banks truly approach each client individually, help to adjust the business plan and set the right priorities. For instance, Nurbank's experience during the pandemic, where they financed the purchase of expensive equipment for a Kostanay veterinary clinic for pets, not farm animals, can be cited as an example. The bank supported the project of a company that had been operating for just over half a year. A costly ultrasound machine was purchased for nine million tenge.
The project belongs to veterinarian Maxim PADERIN, who is known in Kostanay and the region as an actively developing entrepreneur. His clinic "Dogma" recently turned one year old. However, success would hardly have been possible if the young man's initiative had not been supported by the bank. After all, the credit application for the then-unknown vet clinic might not have been approved.
- We started working with Nurbank during the company's formation stage when we applied for a loan under the "Business Roadmap 2020" program, - said Maxim Paderin. - They approved our idea and provided funds under very favorable conditions for us. We secured only 15% of the loan amount as collateral.
The entrepreneur noted that cooperation with the bank is only developing. There is an active credit line, a checking account through which the company conducts all purchases for the clinic, as well as a POS terminal for accepting non-cash payments.
- We actively participate in state business support programs and offer advantageous options to each client who contacts us, - said Aigul TAZHENOVA, director of the branch of JSC "Nurbank" in Kostanay. - This concerns not only state programs. We also have special products such as "MSB Business" and "MSB Real Estate". These are targeted loans for investments, as well as for replenishing working capital. The variety of products and individual approach allowed us to double the volume of loans issued.
The bank not only increased the volume of loans issued but also the amounts that an individual entrepreneur can receive. Changes occurred during the pandemic, which increased the availability of credit resources for clients.
For example, under "MSB Business" one can receive a loan of up to 3 billion tenge for up to 7 years, and under the "MSB Real Estate" direction - up to 1 billion tenge for up to 10 years. Moreover, loans are provided in both national and foreign currencies.
Undoubtedly, JSC "Nurbank" provides loans to individuals as well. Positive dynamics in the retail lending sector confirm that unsecured loans are particularly popular. Under this product, clients can receive up to 5 million tenge for 5 years and improve lending conditions: reduce monthly payments or loan term by refinancing existing loans in Nurbank. If we talk about secured loans, these are up to 30 million tenge for an even longer term.
In Nurbank, each client receives an individual approach because every story is unique. The example of the Kostanay entrepreneur confirms this.