Өрлеу

Term

Amount

no more than KZT 7 billion*

Loan term

up to 10 years

Percentage

up to 12.6%

Purpose of loan

Purchase of fixed assets; Refinancing

Loan calculator

Loan amount (tenge)

100 000 ₸ 7 000 000 000 ₸

Duration (months)

12 months 120 months

Monthly payment

125 000 ₸

Reward rate

12.6 %

Total amount to be refunded

4 500 000 ₸

Purpose of the loan

Working capital

^* Calculations are preliminary. Detailed consultation is available from managers at regional branches.

PROGRAM PARTNERS

ADVANTAGES OF PROGRAM

SUPPORT

Assistance from our managers in preparing documents.

COMFORT

Apply for guarantee from anywhere online.

SPEED

The Fund will consider your application in a short period.

RELIABILITY

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Target segment	Subjects of micro, small and medium private entrepreneurship
Target purpose	investments; refinancing of loans issued no earlier than December 1, 2025.
Maximum financing limit amount per one subject of micro, small and medium entrepreneurship	The maximum financing limit amount per one subject of micro, small and medium entrepreneurship / group of related subjects of micro, small and medium entrepreneurship, taking into account loans issued under all Programs of conditional placement of the Fund's funds, must not exceed 7,000,000,000 (seven billion) tenge.
Interest rate (nominal)	12.6 percent per annum.
Financing period	For investments - no more than 120 (one hundred and twenty) months; Refinancing - no more than the remaining term of the refinanced debt.
Grace period for principal debt repayment	no more than 24 (twenty-four) months from the date of loan provision.
Grace period for interest repayment	no more than 12 (twelve) months.
Guaranteeing	Subjects of micro, small and medium entrepreneurship that received financing under the Product have the right to apply for participation in the state guarantee program if the project / subject of micro, small and medium entrepreneurship meets the requirements of the state program.
Special conditions	The acquisition of imported equipment and special machinery is allowed only in the absence of domestic analogues. Priority is given to assets labeled "Made in Kazakhstan".
Loan organization fee	no more than 0.5 percent (zero point five tenths of a percent) of the loan / credit line amount;
Counter obligations	creation of new jobs for every 50,000,000 (fifty million) tenge of the loan based on the results of the two financial years following the year of receiving support; mandatory increase in income and payroll fund not lower than the level of accumulated inflation based on the results of the first financial year and on an annual basis until the end of the financing period.
Participants of the Program cannot be subjects of micro, small and medium entrepreneurship:	implementing projects for the production and (or) wholesale realization of excisable goods, except for the production of alcohol-containing medical products (except balms) registered as a medicinal product in the Republic of Kazakhstan; in the authorized capital of which 25 percent or more directly belongs to state enterprises/institutions, national managing holdings, national holdings and companies; legal entities registered in offshore zones (according to the Resolution of the Board of the Agency of the Republic of Kazakhstan for Regulation and Development of Financial Market Number 8 dated February 24, 2020, and other Normative Legal Acts of the Republic of Kazakhstan), as well as persons whose participants/shareholders have a share of more than 10 percent and are registered in offshore zones; having overdue loan indebtedness of over 60 days (according to credit bureaus) and (or) indebtedness on taxes and mandatory payments to the budget as of the date of application. affiliated with large business entities.
It is prohibited to provide Loans to Final subjects of micro, small and medium entrepreneurship for the following purposes:	acquisition of an existing business and real estate to continue previous activities, as well as imaginary/sham transactions (except for launching a new or resuming activities in priority directions); participation in the authorized capitals of legal entities; reimbursement of previously incurred costs, as well as repayment of debts to physical and legal entities (including participants, shareholders, employees); consumer lending; payment of dividends; coverage of activity losses; payment for the services of attorneys (agents); payment of commissions and other loan payments (except for the loan organization fee; reimbursement within 30 days or early repayment is allowed); acquisition of securities and placement of funds in deposits; projects for the production and wholesale realization of excisable goods (except for taxi motor vehicles and medical products registered as medicine); projects related to the production/supply of weapons, narcotic substances, and other property withdrawn from circulation; gambling business; activities prohibited by the legislation of the Republic of Kazakhstan (including terrorist activities); acquisition of assets for third parties and construction on other people's plots (except for state land, co-borrowers, and close relatives subject to compliance with conditions); transactions with signs of being imaginary/sham; unsecured loans (except for loans secured by subsequent pledge and working capital up to 300 million tenge); acquisition of imported investment assets in the presence of domestic analogues (exception: finishing materials, equipment, special machinery, and spare parts without analogues); financing of organizations carrying out banking and insurance activities (except for insurance agents); payment of taxes, duties, customs and social payments, as well as insurance premiums (except for Value Added Tax in the asset value), including loans for working capital.

No.	Code of the General Classifier of Types of Economic Activities	Name
1. Manufacturing Industry
1	10.1	Processing and preserving of meat
2	10.2	Processing and preserving of fish, crustaceans and mollusks
3	10.3	Processing and preserving of fruit and vegetables
4	10.4	Manufacture of vegetable and animal oils and fats
5	10.5	Manufacture of dairy products
6	10.6	Manufacture of grain mill products
7	10.7	Manufacture of bakery and flour confectionery products
8	10.8	Manufacture of other food products
9	10.9	Manufacture of prepared animal feeds
10	11.06	Manufacture of malt
11	11.07	Manufacture of soft drinks, mineral waters and other bottled waters
12	13.2	Weaving
13	13.3	Finishing of textiles and textile products
14	13.9	Manufacture of other textile products
15	14.1	Manufacture of clothing, except fur clothing
16	14.2	Manufacture of fur products
17	14.3	Manufacture of knitted and crocheted clothing
18	15.1	Tanning and dressing of leather; manufacture of travel goods, saddlery and harness; dressing and dyeing of fur
19	15.2	Manufacture of footwear
20	16.2	Manufacture of products of wood, cork, straw and plaiting materials
21	17.1	Manufacture of pulp, paper and paperboard
22	17.2	Manufacture of articles of paper and paperboard
23	20.1	Manufacture of basic chemicals, fertilizers and nitrogen compounds, plastics and synthetic rubber in primary forms (excluding OKED 20.15 Manufacture of fertilizers and nitrogen compounds)
24	20.2	Manufacture of pesticides and other agrochemical products
25	20.3	Manufacture of paints, varnishes and similar coatings, printing ink and mastics
26	20.4	Manufacture of soap, detergents, cleaning, polishing, perfumery and cosmetic preparations
27	20.5	Manufacture of other chemical products
28	20.6	Manufacture of artificial and synthetic fibers
29	21.1	Manufacture of basic pharmaceutical products
30	21.2	Manufacture of pharmaceutical preparations and medical materials
31	22.1	Manufacture of rubber products
32	22.2	Manufacture of plastic products
33	23.1	Manufacture of glass and glass products
34	23.2	Manufacture of refractory products
35	23.3	Manufacture of clay building materials
36	23.4	Manufacture of other porcelain and ceramic products
37	23.5	Manufacture of cement, lime and plaster (excluding OKED 23.51 Manufacture of cement)
38	23.6	Manufacture of articles of concrete, cement and plaster (excluding OKED 23.63 Manufacture of ready-mixed concrete)
39	23.7	Cutting, shaping and finishing of stone
40	23.9	Manufacture of abrasive products and other non-metallic mineral products
41	24.2	Manufacture of tubes, pipes, hollow profiles, fittings of steel
42	25.1	Manufacture of structural metal products
43	25.2	Manufacture of metal tanks, reservoirs and containers
44	25.3	Manufacture of steam boilers, except central heating boilers
45	25.9	Manufacture of other fabricated metal products
46	26.1	Manufacture of electronic components and boards
47	26.2	Manufacture of computers and peripheral equipment
48	26.3	Manufacture of communication equipment
49	26.4	Manufacture of consumer electronics
50	26.5	Manufacture of instruments and appliances for measuring, testing and navigation; manufacture of watches
51	26.6	Manufacture of irradiation, electromedical and electrotherapeutic equipment
52	26.7	Manufacture of optical instruments, photographic and cinematographic equipment
53	26.8	Manufacture of magnetic and optical media
54	27.1	Manufacture of electric motors, generators, transformers and electricity distribution and control apparatus
55	27.2	Manufacture of batteries and accumulators
56	27.3	Manufacture of wiring and wiring devices
57	27.4	Manufacture of electric lighting equipment
58	27.5	Manufacture of household appliances
59	27.9	Manufacture of other electrical equipment
60	28.1	Manufacture of general purpose machinery
61	28.2	Manufacture of other general-purpose machinery
62	28.3	Manufacture of agricultural and forestry machinery
63	28.4	Manufacture of metal forming machinery and other machine tools
64	28.9	Manufacture of other special-purpose machinery
65	29.2	Manufacture of bodies for motor vehicles; manufacture of trailers and semi-trailers
66	29.3	Manufacture of parts and accessories for motor vehicles
67	30.3	Manufacture of air and spacecraft and related machinery
68	30.9	Manufacture of transport equipment not elsewhere classified
69	31.0	Manufacture of furniture
70	32.1	Manufacture of jewelry, bijouterie and similar articles
71	32.2	Manufacture of musical instruments
72	32.3	Manufacture of sports goods
73	32.4	Manufacture of games and toys
74	32.5	Manufacture of medical and dental instruments and supplies
75	32.9	Manufacture of other finished products not elsewhere classified
2. Tourism
76	55.10	Accommodation services provided by hotels and similar places for staying (excluding five-star hotels)
77	55.20	Accommodation services provided by holiday homes and other short-term accommodation (excluding apartments, flats and residential houses)
78	55.30	Accommodation services provided by camping grounds, caravan parks and trailer parks for housing
79	55.901	Accommodation services provided by dormitories at boarding schools
80	55.902	Accommodation services provided by student dormitories
3. IT Sector and Creative Industry
81	58.2	Software publishing
82	59.1	Motion picture, video and television programme production activities (excluding OKED 59.14 Motion picture projection activities)
83	59.2	Sound recording and music publishing activities
84	62.0	Computer programming, consultancy and related activities
85	63.1	Data processing, hosting and related activities; web portal activities