TERMS

Guarantee size

up to 50% of loan amount

Loan term

not longer than loan term

Maximum amount

up to 3,5 billion tenge

Purpose of loan

Investments, replenishment of working capital, refinancing

Program participants

Program benefits

Support

Assistance from our recruitment managers in preparing documents

Convenience

Apply for a guarantee online without leaving at home

Speed

The shortest time for consideration of applications from entrepreneurs by the Damu Fund

Reliability

They trust us. Over 62,000 entrepreneurial projects guaranteed

Participants:	Subjects of small, medium and large enterprises
Maximum guarantee amount:	up to 50% of the loan
Maximum loan amount:	Max – 3.5 billion tenge
Industry:	Priority sectors of the economy
Purpose of lending:	1. Investments 2. Replenishment of working capital 3. Refinancing
Financial leasing:	the amount of the leased asset is no more than 1 billion tenge, the amount of the guarantee cannot exceed 50% of the leased asset value
Loan rate:	Remuneration base rate, established by the National Bank of the Republic of Kazakhstan and increased up to 5%
Value of the guarantee:	with the total amount of guarantees not exceeding 500 million tenge - free for entrepreneurs; with the total amount of guarantees exceeding 500 million tenge, the entrepreneur pays a commission to the financial agency, the amount is determined by the financial agency
Maximum guarantee period:	no more than the loan term
Securing a loan, the collateral value of the loan amount:	Up to 50%
Own participation in the Project for loans over 500 million tenge:	Min 10% of the total cost of the project provided with own funds (money, movable property/ real estate)
Counter obligations	incoming - positive dynamics in tax deductions and (or) growth of the wage fund and (or) income growth over the last 2 years before filing an application - does not apply to private equity ventures whose registration period is less than 3 (three) years; outgoing – 1) after 2 years for investment projects, an increase in taxes, payroll, jobs by 10% from the date of the decision of the financial agency. 2) small businesses with amounts over 3 billion tenge switch to medium-sized businesses after 3 years.

List of economic activities in manufacturing, electricity, gas, steam and air conditioning

Item No.	Name of the group of economic activities	Name from the General Classifier of Economic Activities	General Classifier of Economic Activities
1	2	3	4
Section C Manufacturing industry ¹
1	Processing and preserving of meat and production of meat products	Processing and preserving of meat	10.11
		Processing and preserving of poultry meat	10.12
		Production of meat and poultry products	10.13
2	Processing and preserving of fish, crustaceans and mollusks	Processing and preserving of fish, crustaceans and mollusks	10.20
3	Processing and preserving of fruits and vegetables	Processing and preserving of potatoes	10.31
		Production of fruit and vegetable juices	10.32
		Other types of processing and preserving of fruits and vegetables	10.39
4	Production of vegetable and animal oils and fats	Production of oils and fats	10.41
4	Production of vegetable and animal oils and fats	Production of margarine and similar edible fats	10.42
5	Dairy production	Milk processing and cheese production	10.51
5	Dairy production	Ice cream production	10.52
6	Production of flour and cereal products, starch and starch products	Production of flour and cereal products	10.61
6		Production of starch and starch products	10.62
7	Production of bakery, pasta and flour confectionery products	Production of bakery and flour confectionery products of short shelf life	10.71
		Production of rusks and cookies, flour confectionery products with long shelf life	10.72
		Production of pasta	10.73
8	Production of other food products	Production other food products	10.8
9	Production of finished animal feed	Production of finished animal feed	10.9
10	Beverage production	Malt production	11.06
10	Beverage production	Production of soft drinks, mineral waters and other bottled waters	11.07
11	Textile production	Textile production	align="center"> 13
12	Manufacture of clothing	Manufacture of clothing, except fur clothing	14.1
12	Manufacture of clothing	Manufacture of knitted and hosiery clothing	14.3
13	Production of leather and related products	Tanning and dressing of leather; production of travel accessories, saddlery; dressing and dyeing of fur	15.1
13	Production of leather and related products	Shoe production	15.20
14	Production of wooden and cork products, except furniture; production of straw products and plaiting materials	Sawmilling and planing production	16.1
14	Production of wood, cork, straw and plaiting materials	16.2
15	Production of paper and paper products	Production of paper and paper products	17
16	Printing activities and reproduction of recorded information carriers	Printing activities and provision of services in this area	18.1
17	Production of coke and petroleum products	Production of products oil refining, peat and coal briquettes	19.20
18	Manufacture of chemical products	Manufacture of basic chemicals, fertilizers and nitrogen compounds, plastics and synthetic rubber in primary forms	20.1²
		Manufacture of pesticides and other agrochemical products	20.20
		Production of paints, varnishes and similar coatings, printing ink and mastics	20.30
		Production of soap, detergents, cleaning, polishing, perfumery and cosmetic products	20.4
		Production of matches	20.51.2
		Glue production	20.52
		Essential oil production	20.53
		Photographic materials production	20.59.1
		Production of gelatin	20.59.2
		Production of materials used in finishing textiles	20.59.3
		Production of carbon black, carbon nanotubes, nanofibers and other carbon nanomaterials	20.59.4
		Production of other chemical products	20.59.9
		Production of artificial and synthetic fibers	20.60
19	Production of basic pharmaceuticals products and pharmaceuticals	Production of basic pharmaceuticals	21.10
19		Production of pharmaceuticals and medical materials	21.20
20	Production of rubber and plastic products	Production of rubber products	22.1
20	Production of rubber and plastic products	Manufacture of plastic products	22.2
21	Manufacture of other non-metallic mineral products	Manufacture of glass and glass products	23.1
		Production of refractory products	23.2
		Production of clay building materials	23.3
		Production of other porcelain and ceramic products	23.4
		Production of cement, lime and building plaster	23.5
		Production of concrete, cement and building plaster products	23.6
		Cutting, processing and finishing of stone	23.70
		Production of abrasive products and other non-metallic mineral products	23.9
22	Metallurgical production	Metallurgical production	24³
23	Manufacture of finished metal products, except machinery and equipment	Manufacture of metal doors and windows	25.12
		Production of radiators and central heating boilers	25.21
		Forging, pressing, stamping, profiling of metal; powder metallurgy	25.5
		Metal processing and coating; main technological processes of mechanical engineering	25.6
		Production of cutlery, tools and hardware	25.7
		Production of other finished metal products	25.9⁴
24	Computer and peripheral equipment manufacturing	Computer, electronic and optical equipment manufacturing	26⁵
25	Electrical equipment manufacturing	Electrical equipment manufacturing	Electrical equipment manufacturing	27
26	Manufacture of machinery and equipment not included in other groups	Manufacture of hydraulic and pneumatic equipment	28.12
		Manufacture of other taps, valves and valves	28.14
		Manufacture of elevators	28.22.4
		Manufacture of office machinery and equipment (except computers and peripheral equipment)	28.23
		Manufacture of hand-held power tools	28.24
		Manufacture of industrial refrigeration and ventilation equipment equipment	28.25
		Manufacture of other general-purpose machinery and equipment, not included in other groups	28.29
		Manufacture of agricultural machinery	28.30.2
27	Manufacture of motor vehicles, trailers and semi-trailers	Automobile production	29.1
		Automobile body production	29.20.1
		Automobile parts and accessories production	29.3
28	Manufacture of other transport vehicles	Manufacture of railway locomotives and rolling stock	30.20
28	Manufacture of other transport vehicles	Manufacture of transport vehicles not included in other groups	30.9
29	Manufacture of furniture	Manufacture of furniture	31
30	Other Finished Goods Manufacturing	Other Finished Goods Manufacturing	32
Section D Electricity, Gas, Steam, Hot Water and Air Conditioning Supply
31	Electricity Generation	Hydroelectric Power Generation	35.11.2
		Wind Power Generation	35.11.4
		Production of electricity by solar power plants	11/35/5
		Production of electricity by other power plants	11/35/9

Notes:

¹Production including: kefir, uncanned condensed milk, flour, glucose-fructose syrup, buckwheat, also processing and canning of potatoes, with the exception of industrial peeling of potatoes and production of tea and coffee.

²Production, including: disinfectants, antiseptics.

³With the exception of production of cast iron, steel and ferroalloys (code of the General Classifier of Types of Economic Activity (hereinafter referred to as OKED) "24.10"), processing of nuclear fuel (code OKED "24.46"), casting of cast iron (code OKED "24.51"), casting of steel (code OKED "24.52").

⁴Production, including barrels, drums and other containers made of base metals (non-precious).

⁵Production, including: artificial lung ventilation apparatus; other electrical and electronic equipment used for medical purposes; vibroacoustic devices; medical bracelets; patient monitors; telecardiographs; dialyzers.

List of economic activities in the mining
industry and services

Item No.	Name of the group of economic activities	Name from the General Classifier of Economic Activities	General Classifier of Economic Activities
1	2	3	4
Section B Mining and quarrying
1	Coal beneficiation	Coal beneficiation coal	05.10.3¹
2	Salt mining	Salt mining	08.93
Section E Water supply; sanitation; waste collection, treatment and disposal, pollution control activities
3	Water collection, treatment and distribution	Water collection, treatment and distribution	36
4	Waste collection, treatment and disposal; recycling (recovery) of materials	Collection of non-hazardous waste	38.11
Section H Transport and warehousing
5	Land and pipeline transport activities	Other passenger land transport activities not included in other groups	49.39²
6	Warehousing of goods and auxiliary transport activities	Cargo storage and auxiliary transport activities	52³
6	Warehousing of goods and auxiliary transport activities	Cargo storage and warehousing	52.10⁴
Section I Provision of accommodation and food services
7	Provision of temporary accommodation services	Provision of services by hotels and similar places of accommodation	55.10⁵
		Provision of accommodation for weekends and other short-term periods of stay	55.20⁵
		Provision of services by campsites, caravan parks and caravan sites for accommodation	55.30⁵
		Provision of services by other places of accommodation	55.90⁶
Section J Information and Communication
8	Computer programming, consulting and other related services	Computer programming activities	62.01
9	Information services activities	Information services activities	63
Section P Education
10	Education	Education	85⁷
10	Education	Other education not included in other groups	85.59
Section Q Health and Social Services
11	Health activities	Health activities	Health activities	86⁸

Notes:

¹Extracted coal from dumps.

²Construction of ski resorts, management of conveyors, cable cars, ski and cable lifts, if they are not included into the system of urban and intercity transportation.

³Construction of transport transit terminals, dry ports, warehouses in the territories of the Republic of Kazakhstan bordering the People's Republic of China and the Republic of Uzbekistan.

⁴Creation of wholesale distribution centers for the storage and sale of food products, construction of vegetable and fruit storage facilities.

⁵Financed projects in the field of tourism are implemented on the coast of Lake Alakol (East Kazakhstan, Almaty regions), the coast of Lake Balkhash (Karaganda region), in the Bayanaul resort area (Pavlodar region), the Shchuchinsk-Borovskoy resort area (Akmola region), in the cities of Turkestan and Aktau, the Imantau-Shalkar resort area (North Kazakhstan region), the Almaty mountain cluster (Talgar, Enbekshikazakh, Uygur, Raimbek, Karasai districts of Almaty region), the state regional natural park "Medeu", the Ile-Alatau state national natural park.

⁶Construction and (or) reconstruction of student and school dormitories.

⁷Construction and (or) reconstruction, and (or) equipping pre-school, primary, basic and general secondary education institutions.

⁸Construction and (or) repair of medical institutions, and (or) equipping medical institutions with the necessary medical equipment (computer tomograph, magnetic resonance imaging, ultrasound machine, cardiac monitor, neonatal artificial lung ventilation apparatus, artificial lung ventilation apparatus, artificial blood circulation apparatus, angiographic system, etc.), as well as construction and (or) reconstruction, and (or) equipping health resort institutions.

List of economic sectors by production

in the agro-industrial complex

Item No.	Name of the product group	Name from the general classifier of types of economic activity	General classifier of types of economic activity
1	2	3	4
Section A &n bsp; Agriculture, forestry and fisheries
1	Growing annual or biennial crops	Growing cereals (except rice), legumes and oilseeds	01.11
		Growing rice	01.12
		Growing vegetables, melons, root crops and tuber crops	01.13
		Growing fiber crops	01.16
		Growing other annual or biennial crops	01.19
2	Growing perennial crops	Growing grapes	01.21
		Growing pome and stone fruits	01.24
		Growing other fruits, berries and nuts	01.25
3	Animal Husbandry	Dairy Cattle Breeding	01.41
		Other Cattle and Buffalo Breeding	01.42
		Horse and Other Equine Breeding	01.43
		Camel and Other Camel Breeding	01.44
		Sheep and goat breeding	01.45
		Pig breeding	01.46
		Poultry breeding	01.47
		Other animal breeding	01.49¹
4	Activities that support the cultivation of crops and the rearing of animals, and activities that process crops	Crop processing activities	01.63
5	Fishing	Freshwater fisheries	03.12
6	Fish farming	Marine fish farming	03.21
6	Fish farming	Freshwater fish farming	03.22