Preferential lending to small and medium-sized businesses in the Kyrgyz Republic

Purpose:

Provision of loan funds to small and medium-sized enterprises at preferential interest rates to ensure access to financing, stimulate economic growth, and promote regional development in the Kyrgyz Republic.

Borrowers:

Individual entrepreneurs and legal entities operating in the following areas:

▫️ food production and processing (excluding tobacco products);
▫️ garment and textile manufacturing, footwear, leather goods;
▫️ wood and paper processing, printing services;
▫️ chemical production;
▫️ pharmaceutical manufacturing;
▫️ rubber, plastic, and non-metallic mineral products;
▫️ metal products manufacturing;
▫️ computer, electronic, and optical equipment production;
▫️ electrical equipment manufacturing;
▫️ construction materials production and processing;
▫️ other manufacturing activities, machinery repair and installation;
▫️ tourism and related services (guest houses, eco- and ethno-tourism, transport, guide services);
▫️ professional, scientific, and technical activities;
▫️ education (preschool and school institutions);
▫️ handicrafts;
▫️ startup projects;
▫️ healthcare and social services;
▫️ export-oriented activities;
▫️ IT and innovations (digital services, fintech);
▫️ purchase of technological lines, production equipment, industrial machinery, and vehicles;
▫️ acquisition of real estate solely for expansion and modernization of existing production facilities (excluding land plots).

Interest Rate:

— 6% per annum (APR from 6.17%)

Main Financing Terms:

📌 Investment Purposes

(equipment purchase, reconstruction, modernization)

• Rate: 6%

• Term: up to 60 months

• Grace period: up to 6 months

• Amount:
  ▪️ Individual entrepreneurs and legal entities — up to KGS 15 mln
  ▪️ Small enterprises — up to KGS 30 mln
  ▪️ Medium enterprises — up to KGS 50 mln

📌 Working Capital Financing

(raw materials, goods purchase)

• Term: up to 36 months

• Amount: from KGS 5 mln to KGS 20 mln

📌 Refinancing

• Term: up to 18 months

• Amount: from KGS 3 mln to KGS 10 mln

📌 Startups and New Entrepreneurs

• Term: up to 18 months

• Amount: up to KGS 1 mln

Grace Period:

— up to 6 months (inclusive)

Collateral:

▫️ Up to KGS 300,000 — unsecured
▫️ From KGS 300,001 to KGS 50,000,000 — real estate, deposits, vehicles, and/or movable property

In case of insufficient collateral, a guarantee may be provided by Open Joint Stock Company “Guarantee Fund”