Loans for business

For the purpose of expanding and developing entrepreneurial activities, as well as replenishing working capital

soum/US dollar

not required

up to 36 months

bank branch

By transfer to the client's account

1.An insurance policy issued by an insurance company covering the risk of loan default for up to 50% of the value of the collateral offered, acceptable to the Bank;
2.Collateral in the form of movable and immovable property covering the remaining 50% of the collateral value, in accordance with the terms and requirements of the "Procedure for the Selection and Acceptance of Collateral Types for Loans and Equivalent Transactions."

yes
up to 6 months

differential, annuity

monthly

1.During both the annual and the latest quarterly reporting periods, the debtor's financial performance must not be loss-making. Losses are permitted only if justified by credible and verifiable data.
2.The debtor must not have negative working capital during the annual and latest quarterly reporting periods, unless such figures are supported by reliable documentation provided by the debtor.
3.There must be no overdue debt on the existing loan or any related financial operations.
4.Over the past 12 months, the following conditions must be met with regard to credit history: • No more than two overdue payments exceeding 30+ days; • No more than one overdue payment exceeding 60+ days; • No overdue payments exceeding 90+ days. 5.There must be no overdue credit obligations among affiliated entities under supervisory control within the system of JSCB "Asia Alliance Bank".
6.The client and their affiliated entities must not have any active loans in the banking system (including JSCB "Asia Alliance Bank" and all commercial banks) that are classified as "unsatisfactory," "doubtful," or "hopeless" according to the Credit History Report (CHR) under supervisory review.
7.As of today, there must be no recorded cases within the system of JSCB "Asia Alliance Bank" of extensions granted for interim or final repayment deadlines of the principal loan amount or accrued interest on existing loans.
8.There must be no recorded cases - except for complete non-performance - of failure to fulfill the conditions approved by the bank’s collegial body in regard to existing loans or obligations, including cases of untimely compliance.
9.There must be no cases of misuse of loan funds within the system of JSCB "Asia Alliance Bank" (Compliance with the intended use is verified through a report on target utilization. This condition does not apply to loans issued for products where the utilization act is not yet due, or where the client has initiated legal proceedings against the supplier for failure to deliver goods/services, making verification of utilization inapplicable.)
10. The client must not have any outstanding payment obligations under enforcement proceedings initiated by the Bureau of Compulsory Execution.
11.If any credit-related claims have been filed in the economic court over the past three years and were partially or fully satisfied, the application will be reviewed and rejected.

By transfer to the client's account

For legal entities - a loan application, incorporation documents, information about the management and founders of the enterprise, the consent/decision of the founders to obtain a loan and/or provide collateral; account turnover details from other banks, and information on existing obligations.
Documents required from individual entrepreneurs - a loan application, registration certificate, a copy of the passport, documents confirming the place of business activity; financial projections and calculations prepared by the applicant justifying the repayment of the loan, including a forecast of cash flows, as well as other documents related to the implementation of the project.

not required

possibly

unforeseen

unforeseen

An insurance policy against the risk of loan default issued by an insurance company whose terms and conditions are acceptable to the bank

Loan term up to 12 months – 26,5% per annum in national currency; 13,5% per annum in foreign currency; Loan term from 12 to 24 months – 28,5% per annum in national currency; 14,5% per annum in foreign currency; Loan term from 24 to 36 months – 30,5% per annum in national currency;
16,5% per annum in foreign currency