"Nur Senim" Loan at JSC "Nurbank" | Quick loan for business development

Nur-Senim

Fast credit
Nur-Senim

Objectives

Working Capital Augmentation
Investments
Refinancing of Existing Loans
Issuance of Advance Payment Guarantees

Advantages

Minimum List of Documents
Simplified Financial Analysis
Fast Decision-Making Timelines
Special condition: the business must have been operational for at least 12 months

Terms

Funding Currency

KZT, USD*

Interest Rate
  • From 23.75% to 25.75% (APR from 31.4% to 34.7%)**

Type of Credit
  • Bank Loan
  • Non-revolving Credit Line
  • Revolving Credit Line
  • Advance Payment Guarantee
  • Performance Bond
Loan Term
  • For Working Capital Replenishment – 36 months
  • For Investment Purposes – 84 months
  • Maximum Guarantee Term – no more than 24 months
Loan Amount

up to 120,000,000 ₸ or equivalent in foreign currency

Repayment Schedule

Principal repayment – monthly according to the established repayment schedule (after the grace period)

Grace Period for Principal Repayment
  • for Working Capital Replenishment — up to 3 months
  • for Investment Purposes — up to 6 months
Loan Fees

According to the Bank's approved tariffs***

Collateral
  • Commercial and/or Non-commercial Real Estate
  • Cash Pledge

* For clients with relevant currency revenue and/or whose currency risks are hedged with appropriate tools provided by the client.

Remuneration rates were approved by the decision of the Asset and Liability Management Committee (Appendix No. 1 to Minutes No. 56-14 dated May 6, 2026)

*** Tariffs do not apply to state programs if provided by the agreement concluded between the Bank and a financial agency and/or legislation of the Republic of Kazakhstan, and/or program conditions, and/or a decision of the Bank's authorized body.

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Frequently Asked Questions

1. What is the «Nur-Senim» lending program?

This loan is intended for individual entrepreneurs/legal entities whose business has been operating for at least 12 months, with minimal document requirements, a simplified financial analysis and shorter decision-making times.

2. What is the maximum loan amount?

Up to 120 million tenge.

3. For what purposes is the loan provided?

For business development, purchase of equipment or working capital replenishment.

4. Is there state support?

Yes, a guarantee of the «Damu» Fund is possible.

5. Is collateral required?

Yes, but partial security with a Fund guarantee is allowed.