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Business Credit Loan

Lending purpose​

1. Working capital financing;

2. Investment purposes;

3. Refunding of loans received in other Banks provided that there is no overdue debt;

4. Refunding of expenditures incurred.

Financing type​

Loan/Revolving/Non-revolving credit facility

Term

WCF – no more than 36 months.

Investment purposes – no more than 84 months.

Collateral​

For amounts of up to KZT 50 million — cover at least 100% (Principal debt + interest for 3 months), incl.:

- real estate, deposit – not less than 50% ;

- remaining cover – movable assets, and the share of goods for sale in the structure of movable assets shall be not more than 60%.

 For amounts over KZT 50 million — cover at least 100% (Principal debt + interest for 3 months), incl.:

- real estate, deposit – not less than 70%;

- remaining cover – movable assets .

Loan currency​

KZT, USD, RUR, EURO

Repayment of interest​

Monthly

Repayment of principal debt​

Monthly, in equal installments or by annuity payments.

Fees​

According to the Tariffs Catalogue by SB Sberbank JSC.

Penalty for late repayment of principal debt and interest​

For individual entrepreneurs – 0.5% of the amount of outstanding payments for each overdue day, but no more than 10% of the amount of the issued loan for each year of loan term.

For legal entities – 0.5% of the amount of outstanding payments for each overdue day.

Loan benefits

- Quick consideration of loan applications;

- Personalized experience;

- No penalties for loan prepayment.

List of documents *

LE

IE

Constituent documents

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IE certificate, licenses, certificates, patent, permission for business, etc.

 
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Certificate from the tax authority or e-gov of absence/presence of arrears to the state budget and off-budget funds 

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Certificate on bank accounts opened with other banks with indication of account turnover for the last 12 months (with monthly breakdown)    

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Financial statements

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Tax return for the last reporting period

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Copies of the documents of founders, directors and chief accountant (identity card, certificate from the place of residence)

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Copies of documents (identity card, marriage certificate, certificate from the registration place) 

 
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Specimen signature form and seal impression card

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Documents on collateral

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*The Bank may request additional documents required for a thorough examination of the project

 

For more information you can contact the bank branch in your city or please call the Contact center 8 (727) 250-30-20, in other regions of Kazakhstan: 8-8000-808-808.​

1.         Work experience in the Borrower's main business domain – not less than 6 months. 12 months – for farms engaged in business (also if the business is seasonal).

2.         Presence of a permanent place of business.

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With Business Credit Loan, you get new opportunities to expand your business, pay current expenses and implement plans for further development of business.  

Lending purposes:​

  • Working capital financing;
  • Investment purposes;
  • Refinancing of existing loans;
  • Financing under the state programs of EDF Damu JSC and Business Road Map 2020.
Almaty
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