Individual entrepreneurs aged from 20 to 65 years (at the time of full loan repayment) and legal entities with a stable business operating for at least 6 months (without interruption) prior to submitting a loan application.

Priority Areas of Financing: 

– production and processing of food products, excluding tobacco products;
– garment and textile manufacturing, production of footwear, leather and leather goods;
– production and processing of wood and paper products, printing activities;
– production and processing of chemical products;
– production of pharmaceutical products;
– production and processing of rubber and plastic products, and other non-metallic mineral products;
– manufacture of fabricated metal products;
– production of computers, electronic and optical equipment;
– manufacture of electrical equipment;
– production and processing of construction materials;
– other types of manufacturing, as well as repair and installation of machinery and equipment;
– tourism and related services (guest houses, ethno- and eco-tourism, transport and tourism services);
– professional, scientific and technical activities;
– education, including preschool and school institutions;
– handicrafts;
– startup projects;
– healthcare and social services;
– export-oriented activities;
– IT sector and innovations (digital services, fintech);
– acquisition of new technological lines, production equipment, industrial machinery, vehicles for production purposes, including loading and unloading equipment, as well as packaging and packing equipment;
– acquisition of real estate (production buildings, premises, and facilities) exclusively for the purpose of expansion, modernization, or increasing the capacity of an already existing production, without the right to acquire real estate for new projects that are not engaged in actual operations, and excluding the acquisition of land plots;
– construction of production facilities for the purpose of business expansion or relocation of business from one jurisdiction to another.

1. Monthly annuity payments;
2. Quarterly payments;
3. Flexible schedule (in case of seasonal business, an individual monthly repayment schedule may be established);
4. A grace period may be granted subject to the decision of the Bank’s Credit Committee