Business loan up to 120 million KZT — rate from 22%, grace period up to 12 months | Bank + Damu
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    MSB Drive

    For replenishing working capital, investment purposes, refinancing loans obtained from other banks
    MSB Drive

    Goals

    Working Capital Replenishment
    Investment Goals
    Refinancing of Existing Loans

    Terms

    Funding Currency

    KZT

    Compensation Rate
    • from 23.5% to 24.8% (Annual Effective Rate from 26.5% to 27%)*
    Type of Credit
    • Revolving/non-revolving credit line
    Credit Term
    • Investment purposes - up to 84 months
    • Working capital replenishment – up to 60 months

     

        Tranche under the credit line:

    • up to 24 months for working capital replenishment
    • up to 84 months for investment purposes
    Loan Amount

    Up to 120,000,000 KZT

    Repayment Schedule
    1. Principal debt – monthly in differentiated payments; Compensation – monthly
    2. Principal debt – monthly in annuity payments; Compensation - monthly
    3. With 100% cash pledge under the discretion of the Bank's authorized body, the repayment schedule is set by agreement with the borrower. Compensation payout – monthly
    Grace Period for Principal Debt Repayment
    • For working capital replenishment — up to 6 months
    • For investment purposes — up to 12 months
    Fees

    According to the approved Bank tariffs**

    Security
    • Real estate
    • Cash pledge
    • Guarantee of "Damu" Entrepreneurship Development Fund JSC
    • As additional security, vehicles and full joint guarantees of individuals and legal entities may be accepted.

    * Remuneration rates are approved by the decision of the Asset and Liability Management Committee (Annex No. 1 to Protocol No. 107-12 dated 10.10.2025).

    ** Tariffs do not apply/apply at the state-provided rate if stipulated by the agreement concluded between the Bank and the financial agency, and/or the legislation of the RK, and/or the terms of state programs, and/or by decision of the Bank's Authorized body.

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    Frequently Asked Questions

    What is the value of 1 digital tenge?

    One digital tenge is equivalent to one tenge in both cash and non-cash forms.

    What is the value of 1 digital tenge?

    One digital tenge is equivalent to one tenge in both cash and non-cash forms.

    What is the value of 1 digital tenge?

    One digital tenge is equivalent to one tenge in both cash and non-cash forms.

    What is the value of 1 digital tenge?

    One digital tenge is equivalent to one tenge in both cash and non-cash forms.