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ABN Business
Business development loans
up to 7 years
loan terms
up to 5 mln kgs
loan amount
from 28.0%
interest rate
Loan calculator
Nominal annual interest rate: from 28%
Annual effective interest rate from 36.08%
The calculation is preliminary. The information is provided for informational purposes; for more detailed information, please contact 2810 or ABN branches.
Our offer
Monthly payment
Business loan for investment and working purposes for the development and expansion of business in the following areas: trade, services, industry and production, construction, tourism and the service sector and other business activities. The loan can be obtained by individuals from 21 to 65 years of age who have a stable cash income/wages and no current overdue debt on obligations to financial institutions.

Read full product parameters
List of documents provided by the Client - an individual (private) entrepreneur:
A. application for a loan (loan application);
b. passport;
V. a copy of the certificate of state registration (re-registration) with the Justice authorities of the Kyrgyz Republic, or a copy of a valid patent;
d. documents on the Client’s business or photos of the business confirming the availability, profitability and solvency of the Clients;
d. If the Client is married and the total loan amount is over 50,000 soms, the following are additionally provided: marriage certificate, consent of the spouse to receive the loan, copy of the spouse’s passport;
e. If the registration address and actual place of residence of the Client do not coincide with the data of the UIS “Tunduk”, a certificate from the place of residence or a photo of the place of residence, certified by inspection and signature of a Company employee, is additionally provided.
List of documents provided by the Client – a legal entity:
A. application for a loan (loan application);
b. copies of constituent documents and a certificate of state registration (re-registration) of a legal entity; in the case of a licensed activity, a copy of the license is also provided;
V. a certificate from the tax service and social fund of the Kyrgyz Republic about the fact of registration and the absence of debts on taxes and social contributions;
d. decision of the authorized body of a legal entity to receive a loan;
e. a copy of the document certifying the authority of the head of the legal entity to manage the funds of the legal entity and to receive a loan;
e. copies of passports of the executive body (manager), chief accountant;
and. Financial statements (at least a balance sheet and profit and loss account), accounting documents confirming the client’s financial condition and solvency for the last 6 months, as well as comparative data for the previous period (if available).
List of documents to be provided when secured by a guarantee:
A. statement of consent of the guarantor;
b. guarantor's passport;
V. salary certificate for at least the last 3 months, or a photo of the business or other documents confirming the income and solvency of the main guarantor.
List of documents provided when securing movable and/or
real estate:
A. title/right certifying documents, as well as registration certificates, acts or inventories;
b. an extract from the authorized state body registering a particular subject of pledge;
V. if the real estate has been privatized: a certificate from the authorized organization about the number of registered persons at the time of privatization of the real estate and their notarized consent to provide collateral.
d. if the pledgor is a legal entity, a decision of the authorized body of the legal entity on the provision of the pledge is provided;
d. if the mortgagor is not registered in a marriage, when pledging real estate, a notarized statement from the mortgagor that he is single/unmarried.
e. if the mortgagor is married, when pledging real estate, a notarized statement of the spouse’s consent to the pledge along with a copy of the marriage certificate; when pledging movable property, the statement of the mortgagor and the statement of consent of the spouse. Based on legal review, additional documents may be requested.

*Documents for opening a credit line are provided once and are valid for the duration of the credit line agreement; certificates are updated as necessary if the stated data (information) changes by the client.
Electronic wallets:
  • "Balance.kg"
  • Companion
  • "O!"
  • Umay
  • Elsom
  • Megapay
Mobile terminals:
  • "Pay 24"
  • "Umay"
  • Beeline
  • "O!"
  • This;
  • Optima
  • Companion
  • Megapay
  • Mobile banking:
  • "Kyrgyzstan Bank"
  • "Kompanion Bank"
  • Mobile app:
  • "Elkart Mobile"
  • Optima24
Cash desks of partner banks:
  • CB Kyrgyzstan - account number 1030120000085615
  • Aiyl Bank - account number 1350610022839850
  • Demir Bank - account number 1180000035397732
  • Bank Bai Tushum - account 1374010000661107
  • Bakai Bank - account number 1240020000695170
  • Kompanion Bank - account number 1130020000157975
  • Dos Credo Bank - account number 1212000200181146
  • Halyk Bank account 1250920000850794
  • KICB Bank - account number 1280016049359774
  • Finance Credit Bank - account 1340000051960665
  • Optima Bank - account number 1092300087420106
  • Keremet Bank account 1360040001366724
  • Kyrgyzkomertsbank account 10510110233300231
  • Bank of Asia account 1117701200328084
  • FINCA Bank account number 1380002001078887
Through the cash desk of the ABN MFC:
  • Bishkek, Abdrakhmanova 136, Talas region, Kyzyl Adyr village, st. K. Osmonalieva, 49
By credit line:
Minimum term - 1 (One) year;
The maximum term of the credit line is 7 (Seven) years.
For loans:
Minimum period - 1 (One) month;
The maximum period up to 700,000 soms is 5 (Five) years;
The maximum period from and over 700,000 soms is 7 (Seven) years.