Entrepreneurship Development Fund
EDF — investment loan
State programme- Rate from
- 8%
- Up to
- 30 M KGS
- Term up to
- 84 mo.
- Collateral
- Required
Business loans in 2026
18 programmes from 14 banks, MFIs and state funds, rates from 6%. Unsecured up to KGS 2 million, state programmes from 6%.
18 offers
Entrepreneurship Development Fund
EDF — working capital
State programme- Rate from
- 10%
- Up to
- 10 M KGS
- Term up to
- 36 mo.
- Collateral
- Required
Aiyl Bank
Agriculture Financing-13
State programme- Rate from
- 6%
- Up to
- 5 M KGS
- Term up to
- 60 mo.
- Collateral
- Required
Eldik Bank
Agriculture Financing-13
State programme- Rate from
- 8%
- Up to
- 5 M KGS
- Term up to
- 60 mo.
- Collateral
- Required
KICB
Agro-13 (processing)
State programme- Rate from
- 10%
- Up to
- 15 M KGS
- Term up to
- 60 mo.
- Collateral
- Required
Optima Bank
SME loan
- Rate from
- 17%
- Up to
- 30 M KGS
- Term up to
- 60 mo.
- Collateral
- Required
Optima Bank
Express unsecured
- Rate from
- 24%
- Up to
- 1.5 M KGS
- Term up to
- 24 mo.
- Collateral
- Not required
KICB
Business development
- Rate from
- 16%
- Up to
- 50 M KGS
- Term up to
- 84 mo.
- Collateral
- Required
How it works
- 1
Choose a product
Compare plans and rates with filters — only NBKR-licensed banks and official state programmes.
- 2
Leave a request
Name, phone and TIN — a manager will clarify your turnover and pick 2–3 options.
- 3
Sign the documents
Online via Tunduk or at a branch. The account is reserved in 5 minutes.
- 4
Get to work
Online banking, acquiring and a credit line are connected on the day the account is opened.
БО
Expert opinion
Bakyt Osmonov · Corporate finance expert, FinMarketKG
Start with state programmes: the Entrepreneurship Development Fund lends for investment projects at 8%, and Agriculture Financing-13 lends to farmers at 6–10%, while the market rate is 17–24%. Applications go through a partner bank, so prepare your business plan and financials in advance. For business accounts, count the full annual cost including payment orders and acquiring rather than the monthly fee — at 100 payments a month, a KGS 490 plan turns out cheaper than a 'free' one.
Leave a request — we'll find a business product
A FinMarketKG manager will compare terms of 20+ banks and call you back within an hour during business hours
Frequently asked questions
Up to KGS 1.5–2 million for up to 24 months at 22–26% with 6+ months of turnover. Banks look at account statements and tax reports; MFIs — stock and cash flow.
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