Business Credit 'SMB Business' at Nurbank JSC | Working Capital Replenishment, Acquisition and Reconstruction of Fixed Assets.

SME Business

For legal entities, individual entrepreneurs, and farming enterprises
SME Business

Objectives

Working Capital Replenishment
Acquisition and Reconstruction of Fixed Assets
Investment Goals
Refinancing of Existing Loans

Terms

Financing Currency

KZT, USD*, and other foreign currencies as determined by the Bank's authorized body

Remuneration Rate
  • from 22.5% to 23.5% (APR from 25.6% to 34%)**
Type of Credit
  • Bank loan
  • Revolving/non-revolving credit line
Loan Term

For working capital replenishment:

  • Credit line/bank loan — up to 60 months
  • Tranche within the credit line — up to 24 months

For investments/acquisition and reconstruction of fixed assets:

  • Credit line/bank loan/tranche within the credit line — up to 84 months
Loan Amount

Up to 3,000,000,000 ₸ or equivalent in foreign currency

Repayment Schedule
  1. Principal – monthly differentiated payments
    Remuneration – monthly

  2. Principal and remuneration – monthly annuity payments

  3. With 100% collateral in cash, the principal repayment schedule is determined by agreement with the borrower. Remuneration payment – monthly.

  4. Individual repayment schedule for the principal, established by the bank's authorized body. Remuneration – monthly.

Grace Period for Principal Repayment
  • For working capital replenishment — up to 6 months (by decision of the bank's authorized body)
  • For investment purposes — up to 12 months (by decision of the bank's authorized body)
Fees

According to the Bank's approved tariffs***

Security
  • Real estate
  • Movable property
  • Pledge of cash
  • Guarantee of JSC "Damu Entrepreneurship Development Fund"

* For clients with corresponding foreign currency earnings and (or) hedged foreign currency risks by the client.

** 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 under state programs if provided by agreement between the bank and a financial agency, and/or RK legislation, and/or program conditions, and/or by decision of the bank's authorized body.

Get Consultation

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.