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

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    Frequently Asked Questions

    1. What is the «SME Business» lending program?

    It is a universal SME lending program for financing working capital, investment purposes, acquisition and reconstruction of fixed assets, as well as refinancing of existing loans.

    2. Who can participate in the lending program?

    Individual entrepreneurs, peasant (farm) households, legal entities.

    3. What is the loan term?

    Up to 84 months depending on the purpose of the loan.

    4. What are the minimum and maximum loan amounts?

    The minimum amount is from 120 million tenge, the maximum is up to 3 billion tenge.