Business growth

Business growth

Business growth

Business growth


"Keremet Bank" OJSC offers its customers to use the loan "Business growth" for business development. The purpose of the loan is replenishment of working capital and fixed assets, as well as financing of capital expenditures.

If you do not have enough collateral to get the necessary amount of borrowed resources, use the joint offer of Keremet Bank and the Guarantee Fund, executing a guarantee of up to 50% of the business loan amount.

Who can get a loan? Individual entrepreneurs and legal entities with a stable business operating continuously for at least 6 months.
Loan amount* From 10 000 up to 70 000 000 KGS
Interest rates**(annual) from 18.5% in KGS

Commercial purposes Campaign within the "Business Growth" product***

Amount period (in months) % rate
Up to 300,000 soms 18 24
From 300,000 to 1 million soms 24 19

*** Campaign period - November 15, 2022 to December 31, 2022

Loan term up to 60 months
Designated purpose
  • Acquisition/ repair/ reconstruction of fixed assets;
  • Acquisition of real estate for commercial purposes;
  • Working capital replenishment;
  • Loan refinancing;
  • Development of agribusiness (animal agriculture, crop production, payment of works for agricultural needs, etc.)
  1. For loans up to 100,000 KGS no deposit is required, mandatory presence of one guarantor;
  2. For loans up to 200,000 KGS deposit is movable property or real estate, mandatory presence of one guarantor;
  3. For loans over 200,000 KGS deposit is movable property, real estate and surety.
Terms of repayment of the loan
  1. Annuity payments on a monthly basis;
  2. Equal repayment on a monthly basis;
  3. Flexible schedule (in case of seasonality of business it is possible to establish an individual monthly payment schedule);
  4. It is possible to provide a deferral on repayment of the principal debt of the loan.

*According to the resolution of Management Board of the NBKR No. 7/3 dated 10th February 2016 it is possible to issue loans in foreign currency to persons engaged in business activities on the basis of a certificate or patent
** Annual effective interest rate is 19,56% KGS.

For Business lending you can contact any branch of the Bank or Call center by phone: 996 (312) 55 44 44

Calculate your loan

Required amount

Loan period (months)


These calculations are approximate, accurate calculations can be provided to you at any branch office of the bank.