The maximum loan amount under the 'SME Real Estate' lending program is 1,000,000,000 tenge, or the equivalent in foreign currency.
The Business Ongay lending program is designed for clients who are small and medium-sized businesses, including microbusinesses, for working capital replenishment, investment goals, refinancing of loans obtained from other banks, with a loan amount of up to 20,000 monthly calculation indices and a minimal set of documents.
The loan term for acquiring vehicles for business is up to 7 years.
In addition, the loan term should not exceed the lifespan of the acquired vehicle.
The maximum overdraft amount is up to 40% of the net average monthly credit turnover in the Bank and 15% of the net average monthly credit turnover in other banks.
Obtaining a loan under the SME Business Lending Program ('Green' financing) is possible for 'green' projects identified based on an approved classification* aimed at enhancing the efficiency of existing natural resource use, reducing the negative environmental impact, increasing energy efficiency, energy saving, mitigating climate change impacts, and adapting to climate change.
*Classification (taxonomy) of 'green' projects eligible for financing through 'green' bonds and 'green' loans, approved by the Decree of the Government of the Republic of Kazakhstan dated December 31, 2021, No. 996
The grace period for principal repayment is up to 12 months (subject to the decision of the Bank's Authorized Body)
Under the 'Business Ongai (unsecured)' lending program, it is possible to obtain a loan for replenishing working capital
To obtain a loan under the Business Onay (unsecured) loan program, a positive credit history for the last 3 years is mandatory, as determined by the bank's internal documents.
This loan is designed for individual entrepreneurs / legal entities with a business operating for at least 12 months, with minimal documentation requirements, simplified financial analysis, and reduced decision-making times for financing.
The bank may consider restructuring a loan in cases of deterioration in the borrower's financial condition and payment discipline.
The program is designed for women entrepreneurs who fall under the categories of small, medium, and micro-entrepreneurship according to the legislation of the Republic of Kazakhstan and are engaged in entrepreneurial activities as individual entrepreneurs, as well as legal entities:
- with a share of women participation in the authorized capital of at least 51% (fifty-one percent) (for LLP)/ 51% (fifty-one percent) or more of the voting shares owned by women (for JSC)/ where a woman has been the first head of the legal entity for at least 1 (one) year.
The loan can be used to replenish working capital, invest in business development, and refinance existing loans.
The application can be made at any bank branch.
Yes, the Business Hanum program includes special conditions, such as reduced remuneration rates and simplified collateral requirements.
Yes, our specialists are ready to answer all questions. You can visit a bank branch or apply for a consultation on the website.
