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Business Express Loan

Amount​

Not more than 50% of the appraised value of collateral in the form of real estate.

Lending purpose​

1. Working capital financing (WCF).

2. Investment purposes.

3. Refinancing of loans from other banks, provided that there is no debt overdue by more than 30 days over the past 12 months or restructured 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​

Immovable property

Loan currency​

KZT

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 loan for each year of loan term.

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

Prepayment penalty​

Not applicable

How to get loan

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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Loan benefits

- quick consideration of loan application;

- simplified financial analysis;

- favorable lending terms.

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)

  •  
 

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

 
  •  

Specimen signature form and seal impression card

  •  
 

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.

3.         Positive financial history.

4.         Absence of negative credit history.

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Business Express Loan is an accelerated loan approval process. Impulse for your business development. With Business Express, you get new opportunities to expand your business, pay current expenses and implement plans for further development of business.

Almaty
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