Credit and Guarantee

Terms

Concessional loan terms

Small loan

Short-term concessional loan opportunity with favorable interest rates for small business entities.

Loan amount 5 000 – 50 000 ₼
Loan term up to 3 years (36 months)
Grace period up to 1 year 6 months (18 months)
Annual interest rate up to 5%
PRIORITY AREAS

Priority activity areas

Non-oil industry

Non-oil industry

Preferential loan support for expanding local production, establishing new enterprises, and producing competitive goods in the non-oil industry.

Green, digital development and innovation-oriented projects

Green, digital development and innovation-oriented projects

Preferential loan opportunities to support projects focused on green, digital development and innovation.

Agriculture

Agriculture

Preferential loan support for increasing agricultural production, applying modern technologies, and developing farming enterprises.

Development of warehouse complexes

Development of warehouse complexes

Preferential loan support for developing storage and logistics infrastructure, establishing modern warehouse complexes, and strengthening the supply chain.

Logistics services

Logistics services

Preferential loan support for developing logistics services, optimizing transportation processes, and improving supply chain efficiency.

Fisheries, aquaculture, and aquaponics farms

Fisheries, aquaculture, and aquaponics farms

Preferential loan support for developing fisheries, aquaculture, and aquaponics farms, increasing sustainable production, and applying modern cultivation technologies.

Tourism (excluding Baku, Sumgait, and Absheron district)

Tourism (excluding Baku, Sumgait, and Absheron district)

Preferential loan support for improving service quality, establishing new tourism facilities, and developing tourism potential in the regions.

Development of mass media

Development of mass media

Preferential loan opportunities to support the development of mass media and modern media projects.

Education

Education

Preferential loan opportunities to support the development of education and modern learning projects.

Support for culture and creative industries

Support for culture and creative industries

Preferential loan opportunities to support projects aimed at the development of culture and creative industries.

Healthcare

Healthcare

Preferential loan opportunities to support the development of healthcare and modern medical projects.

Service

Service

Preferential loan opportunities to support the development of the service sector and modern service projects.

REQUIREMENTS

Required documents

  • Consent document

    Original copy of the document confirming the entrepreneur's consent for the transfer of information regarding the business entity to the Fund

  • Investment project or business plan

    Information on the investment project of the business entity for loans up to 200,000 manats, or a business plan for loans exceeding 200,000 manats

  • Credit report

    Information on the entrepreneur’s existing credit obligations and credit history

  • TIN / Registry extract

    Copy of the TIN (Tax Identification Number) or an extract from the state register of the commercial legal entity

  • Copy of the identity card

    Copy of the identity card

  • Property documents

    Copies of documents related to the property or the location where the entrepreneur will operate

APPLICATION PROCESS

Application process

01.

Entrepreneur’s request

The entrepreneur applies to a partner credit institution.

02.

Decision of the credit institution

The credit institution informs the entrepreneur of its decision within 10 working days.

03.

Submission to the Fund

If the credit institution issues a positive opinion, it submits an application to the Fund for financing.

04.

Decision of the Fund

The Fund examines the application and notifies the credit institution of its decision within 10 business days.

05.

Notification in case of a negative decision

If the Fund approves financing, the credit institution finalizes documentation with the entrepreneur and submits the order.

06.

Document processing and order

If the Fund rejects the application, the credit institution informs the entrepreneur.

07.

Transfer and disbursement of funds

Based on the order, funds are transferred to the credit institution’s account within 3 working days and must be disbursed to the entrepreneur within 5 working days (for equipment loans, the loan amount together with the down payment is transferred directly to the supplier’s bank account).

PARTNERS

Partner banks

CALCULATOR

Concessional loan

User guide
NOTE

Bank charges and commissions are not taken into account when calculating the results using this calculator. Therefore, the results shown may differ from the payment schedule provided by the bank. This calculator is intended for preliminary business planning purposes only.

Loan issuance date

Select the loan issuance date
USEFUL DOCUMENTS

Useful documents

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