TERMS

Guarantee size

up to 50% of loan amount

Loan term

any longer than loan term

Maximum amount

no more than 500 million tenge

Purpose of loan

Investments, working capital

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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

Target segment	Small and medium-sized businesses
Terms of the guaranteed loan:
	Terms for existing entrepreneurs	Terms for start-up entrepreneurs
Maximum loan amount	No more than 500,000,000 tenge inclusive;	No more than 30,000,000 tenge inclusive;
Purpose of the Loan	investments, replenishment of working capital, refinancing of current liabilities.
Loan Term	Not limited by the program. Defined in the Bank Loan Agreement / Agreement on Opening a Credit Line.
Grace Period for Repayment of Interest and Principal	Not limited by the program. Defined in the Bank Loan Agreement / Agreement on Opening a Credit Line
Procedure for repayment of principal and interest	Not limited by the program. Defined in the Bank Loan Agreement / Agreement on Opening a Credit Line.
Restrictions	1. Loans that meet the conditions of state guarantee programs implemented by the Fund* are not subject to guarantees; 2. Participation of the Entrepreneur in the implementation of the project with his own funds (money, movable/immovable property, including property of third parties involved in the implementation of the project), in the amount of at least 20% of the total cost of the project. Any Property involved in the project is considered as own participation. The presence of a pledge of money as collateral is considered as own participation in the project. *By decision of the Board, it is allowed to provide guarantees for loans that meet the conditions of state programs, due to the absence and/or full development of budget funds (transfers) of the current year allocated for the implementation of state programs in the relevant region.
Currency of the Loan	Tenge
Collateral for the fulfillment of the Entrepreneur's obligations to the Bank under the Loan	1) The requirements for collateral for the Loan are established by the Bank independently, in accordance with the Bank's collateral policy. 2) Collateral in the amount of at least 50% of the collateral value of the Loan amount, reflected in the decision of the authorized body of the Bank. 3) The entrepreneur, within the timeframes specified by the Bank, is obliged to provide as additional security all movable and/or immovable property acquired using the Bank Credit issued for investment purposes.
Guarantee Terms
	Terms for existing entrepreneurs	Terms for beginning entrepreneurs
Guarantee Amount	No more than 50% of the Loan Amount	No more than 85% of the Loan Amount
Guarantee period	Not more than the loan term;
Security for the fulfillment of the Entrepreneur's obligations to the Fund under the guarantee	As security for the fulfillment of the Entrepreneur's obligations under the Guarantee, the Fund may accept movable/immovable property as Security, as well as guarantees of founders and third parties. The Fund may accept as Security for the Guarantee any real estate and/or movable property that is not accepted by the Bank as Security for the Entrepreneur’s Loan due to its non-compliance with the Bank’s collateral policy or the sufficiency of the Security for the Loan.
Commission paid by the Entrepreneur to the Fund	No later than the date of signing the Guarantee Agreement, the Entrepreneur pays the Fund a one-time fee in the amount of 2.5% of the amount of the Guarantee issued. Until the expiration of the Guarantee Agreement, the Entrepreneur pays the Fund a fee on an annual basis in the amount of 2.5% of the remaining amount of the Guarantee issued. The Entrepreneur may pay the Fund a one-time annual fee in full for the entire period of the Guarantee Agreement. The Bank has the right to pay the Fund for the Entrepreneur, on a one-time or annual basis, any fees and/or penalties accrued by the Fund to the Entrepreneur.
Special conditions	In case of repayment/partial repayment of the principal debt under the Loan, the guarantee amount is reduced by an amount equal to the repayment amount of the principal debt multiplied by the Participation Amount, unless otherwise specified in the Guarantee Agreement.

* It is allowed to establish additional requirements and conditions by decision of the Authorized Body, including conditions, upon failure to fulfill which the guarantee is terminated/cancelled.

Sections	Sections	Title	OKED Damu-Optima
A	01-03	Agriculture, forestry and fisheries
	1	Crop and livestock production, hunting and provision of services in these areas	+
	2	Forestry and logging	+
	3	Fishing and Fish Farming	+
B	05-09	Mining and Quarrying
	5	Coal Mining	-
	6	Crude Oil and Natural Gas Mining	-
	7	Metallic ore mining	-
	8	Other mineral mining	-
	9	Provision of services in the mining industry	+
C	10-33	Manufacturing industry
	10	Food Production	+
	11	Beverage production	+
excise duty	11.01.0	Distillation, rectification and blending of alcoholic beverages	-
excise duty	11.02.1	Production of wine from grapes of own production	-
excise duty	11.02.2	Production of wine from grapes of non-own production	-
excise duty	11.03.0	Manufacture of cider and other fruit wines	-
excise duty	11.04.0	Manufacture of other non-distilled beverages from fermented material	-
excise duty	11.05.0	Beer production	-
	11.06	Malt production	+
	11.07	Production of soft drinks, mineral waters and other bottled waters	+
	12	Production of tobacco products	-
	13	Textile production	+
	14	Clothing production	+
	15	Manufacture of leather and related products	+
	16	Manufacture of wood and cork products, except furniture; manufacture of straw products and plaiting materials	+
	17	Paper and paper products manufacturing	+
	18	Printing activities and reproduction of recorded information carriers	+
	19	Production of coke and refined petroleum products	+
excise tax	19.20.1	Production of refined petroleum products	-
	20	Production of chemical products	+
excise duty	20.14.3	Production of acyclic and cyclic hydrocarbons from hydrocarbon raw materials	-
excise duty	20.14.9	Production of other basic organic chemicals not included in other groups (production of acyclic and cyclic alcohols)	-
	21	Manufacture of basic pharmaceutical products and pharmaceutical preparations	+
	22	Manufacture of rubber and plastic products	+
	23	Other non-metallic mineral products	+
	24	Metallurgical production	+
	25	Manufacture of finished metal products, except for machinery and equipment	+
excise tax	25.40.0	Manufacture of weapons and ammunition	-
	26	Manufacture of computers, electronic and optical equipment	+
	27	Manufacture of electrical equipment	+
	28	Manufacture of machinery and equipment not included in other groups	+
	29	Production of motor vehicles, trailers and semi-trailers	+
excise duty	29.10.1	Production of motor vehicles, except for motor vehicle engines (prohibition on: - motor vehicles intended for the transportation of 10 or more people with an engine capacity of over 3,000 cubic centimeters, with the exception of minibuses, buses and trolleybuses; - passenger cars and other motor vehicles, intended for the transportation of people with an engine capacity of more than 3,000 cubic centimeters (except for vehicles with manual control or a manual control adapter, specially designed for persons with disabilities); - motor vehicles on a passenger car chassis with a platform for cargo and a driver's cab separated from the cargo compartment by a rigid stationary partition, with an engine capacity of more than 3,000 cubic centimeters (except for vehicles with manual control or a manual control adapter, specially designed for persons with disabilities)	-
	30	Manufacture of other transport vehicles	+
	31	Manufacture of furniture	+
	32	Production of other finished products	+
	33	Repair and installation of machines and equipment	+
excise duty	33.11.4	Firearms and artillery repair	-
D	35	Electricity, gas, steam, hot water and air conditioning supply	+
	35.11.2	Hydroelectric Power Generation	+
	35.11.4	Wind Power Generation	+
	35.11.5	Power generation by solar power plants	+
	11/35/9	Electricity production by other power plants	+
E	36-39	Water supply; waste collection, treatment and disposal, pollution control activities
	36	Water collection, treatment and distribution	+
	37	< p> Wastewater collection and treatment	+
	38	Collection, processing and disposal of waste; recycling (recovery) of materials	+
excise tax	38.12.0	Collection of hazardous waste (prohibition on radioactive (nuclear) waste)	-
excise duty	38.22.0	Hazardous waste treatment and disposal (prohibition on processing, disposal and storage of radioactive nuclear waste)	-
	39	Pollution control activities and other waste management services	+
F	41-43	Construction
	41	Building Construction	+
	42	Civil Engineering	+
	43	Specialized construction work	+
G	45-47	Wholesale and retail trade; car and motorcycle repair
	45	Wholesale and retail trade of cars and motorcycles and their repair	+
	46	Wholesale trade, excluding trade in automobiles and motorcycles	< p> +
excise duty	46.17.0	Activities of agents engaged in wholesale trade in food products, beverages (prohibition on wholesale trade in tobacco products and alcoholic beverages)	-
excise duty	46.34	Wholesale trade in beverages (except for trade in soft drinks)	-
excise duty	46.35	Wholesale trade in tobacco products	-
excise duty	46.39	Non-specialized wholesale trade in food products, beverages and tobacco products (except for trade in food products, beverages)	-
excise tax	46.71	Wholesale trade in crude oil and associated gas (ban on crude oil and gas condensate)	-
excise tax	46.71.2	Wholesale trade in natural (combustible) gas (ban on gas condensate)	-
excise tax	46.71.6	Wholesale of motor gasoline	-
excise duty	46.71.7	Wholesale of diesel fuel	-
excise duty	46.71.9	Wholesale trade in other fuels (ban on eco-fuels)	-
excise duty	46.90.3	Wholesale trade in a wide range of goods without any specification in retail facilities with a retail space of more than 2,000 sq. m (2,000 sq. m and above), including wholesale food distribution centers (ban on wholesale trade in tobacco products and alcoholic beverages)	-
excise duty	46.90.8	Specialized wholesale trade in goods not included in other groups (prohibition on wholesale trade in tobacco products and alcoholic beverages)	-
excise duty	46.90.9	Wholesale trade in a wide range of goods without any specification (prohibition on wholesale trade in tobacco products and alcoholic beverages)	-
	47	Retail trade, except of motor vehicles and motorcycles	+
	47.11	Retail trade in non-specialized stores primarily of food products, beverages and tobacco products markets (excluding trade in food products, beverages)	-
	47.25	Retail sale of beverages in specialized stores (except for sale of soft drinks)	-
	47.26	Retail sale of tobacco products in specialized stores	-
	47.34	Retail sale of fuel in specialized stores	-
	47.81	Retail sale of food, beverages and tobacco products in stalls, kiosks and markets (except for trade in food, beverages)	-
H	49-53	Transport and warehousing
	49	Land and pipeline transport activities	+
	50	Water transport activities	+
	51	Air transport activities	+
	52	Warehousing of goods and auxiliary transport activities	+
excise duty	52.10.1	Warehousing and storage of grain (prohibition of grain storage activities at grain receiving points)	-
excise duty	52.10.4	Storage is not fti	-
	53	Postal and courier activities	+
I	55-56	Provision of accommodation and food services
	55	Provision of temporary accommodation services	+ < /p>
	55.10	Provision of services by hotels and similar accommodation facilities	+
	55.20	Provision of accommodation for weekends and other short-term stays	+
	55.30	Provision of campsites, caravan parks and caravan sites for accommodation	+
	55.90	Provision of services by other places of residence	+
	56	Provision of food and beverage services	+
J	58-63	Information and Communication
	58	Publishing activities	+
	59	Production of films, videos and television programs, activities in the field of sound recording and publishing of musical works	+
	59.14	Film screening activities	+
	60	Programming and Broadcasting Activities	+
	61	Telecommunications	+ < /td>
	62	Computer programming, consulting and other related services	+
	63	Information Services Activities	+ < /p>
K	65-66	< p> Financial and insurance activities
	65	Insurance, reinsurance and pension provision, except compulsory social security	-
	66	Ancillary activities in financial services and insurance	-
L	68	Real Estate Transactions
	68.2	Renting and managing own or rented property	+
M	69-75	Professional, scientific and technical activities
	69	Activities in the field of law and accounting	+
	70	Activities of parent companies; management consulting	+
	71	Activities in the field of architecture, engineering surveys, technical testing and analysis
excise duty	71.20.1	Activities of sanitary and epidemiological organizations	+
	72	Research and Development	+
	73	Advertising and Market Research	+
	74	Other professional, scientific and technical activities	+
	75	Veterinary activities	+
N	77-82	Administrative and support services activities
	77	Rental, hire and leasing	+
	78	Employment activities	+
	79	Activities of travel agencies and operators, booking and related activities	+
	80	Security and investigation activities	+
excise tax	80.10.1	Private security services	-
excise tax	80.10.2	Activities of security organizations established by national companies	-
	81	Activities on maintenance of buildings and improvement of territories	+
	82	Activities in the field of office administrative and support services aimed at supporting commercial activities	+
excise tax	82.91.1	Activities of the state credit bureau	-
excise tax	82.91.2	Activities of collection agencies and credit bureaus, except for government	-
O	84	Public administration and defense; compulsory social security	+
excise tax	84.30.0	Compulsory social insurance activities	-
P	85	Education	+
Q	86-88	Healthcare and social services to the population
	86	Health care activities	+
	87	Provision of social services with accommodation	+
	88	Provision of social services without accommodation	+
R	90-93	Arts, entertainment and recreation
	90	Activities in the field of creativity, art and entertainment	+
	91	Activities of libraries, archives, museums and other activities in the field of culture	+
	92	Activities of organizing gambling and betting	-
	93	Activities in the field of sports, organization of recreation and entertainment	+
S	94-96	Provision of other types of services
	94	Activities of public associations (organizations)	+
	95	Repair of computers, personal items and household goods	+
	96	Provision of other personal services	+
	96.01	Washing and (dry) cleaning of textile and fur products	+
	96.09	Provision of other personal services not included in other groups (except for genealogy research activities, tattoo and piercing parlors, provision of shoe shine services, porters, parking lot attendants, operation of coin-operated machines (photo booths, weighing machines, blood pressure monitors, storage lockers, etc.)).	-
T	97-98	Activities of households employing domestic workers; activities of households producing goods and services for own consumption
	97	Activities of households employing domestic workers	+
	98	Activities of households in the production of goods and services for own consumption	+
U	99	Activities of extraterritorial organizations and bodies	+

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Damu Optima