Business loan


If you are planning to expand your business or production, increase turnover or acquire new equipment, we offer you to obtain this loan, which provides for the funding of trade, services, including opening of public catering points, production of various commodities, processing of agricultural produce, rendering of travel services etc.

Conditions of providing loan:

  • Currency: som/USD;
  • Credit amount: from 10,000 soms to 300 000 soms;
  • Interest rate*: KGS – from 29%, USD – from 24,5%
  • Credit term: from 3 months to 2 years;
  • Guarantee of a credit secured by surety of two people with the credit amount of 150,000 soms is possible with the credit term up to one year.
  • Guarantee:- Real estate;- The credit amount up to 150,000 soms has to be secured by personal property and surety;
  • Combined (real estate and personal property)

Requirements for a borrower:

  • Presence of entrepreneurial activities with establishing or not establishing an enterprise
  • Presence of experience in the financed field not less than 3months/6 months

The list of main documents:

  • Copy of debtor’s and his/her wife’s (husband’s) passport; the copy of guarantors’ passports (if present) and mortgagor and his/er spouse’s passports if the mortgagor is a third person
  • Documents about debtor’s marital status (and mortgagor if he is present)
  • Patent or registration certificate of a private enterprise (in agreement with Credit governance requirements
  • Other documents confirming 3months/6months experience presence in the financed field
  • Documents for the collateral (data sheet, constitutive documents, reference from the State Register confirming absence of prohibition on the property)
  • Datasheet for transportation means that are pledged

You can find the address and contact phone number of the closest Bai Tushum Bank office in section “Contacts” or find out in Bank’s Call center using the phone number: (312) 905 805.

* effective interest rate is from: KGS- 33,11%; USD – 27,39%

**The interest rate and repayment schedule depends on the requested amount, loan term, solvency, collateral provided and others. Sales specialist will provide you with the repayment schedule, according to the requested amount and the above conditions.