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Lending program "AgroBusiness"

Sales channels

Direct lending
Credit partnerships
Microfinance organizations
Second-tier banks/Eurasian Development Bank
Leasing companies
Regional investment centers

Purpose

Acquisition of fixed assets, including modernization of facilities; construction and installation works, including reconstruction;
Replenishment of working capital.

Time

From own and/or borrowed funds:
  • for fixed assets/construction and installation works - up to 120 months;
  • for working capital - up to 48 months
From the funds of the National Fund of the Republic of Kazakhstan (only for direct lending):
  • for fixed assets/construction and installation works - up to 144 months;
  • for working capital - up to 60 months.

Grace period

From own and/or borrowed funds:
  • for fixed assets/construction and installation works - up to 24 months;
  • for working capital - up to 12 months.
From the funds of the National Fund of the Republic of Kazakhstan (only for direct lending):
  • for fixed assets/construction and installation works - up to 24 months;
  • for working capital - up to 12 months.

The amount

Rate

From own and/or borrowed funds:

  • Direct lending - 22% per annum (SER - from 22% per annum)
  • CT/MFO/LC/STB/EDB/RIC – 18% per annum (SER – from 18% per annum) (when lending to borrowers of CT/LC/STB/EDB/RIC – margin no more than 4%; when lending to MFO borrowers – margin not more than 10%)
  • From the funds of the National Fund of the Republic of Kazakhstan - 6% per annum (ESV - from 6% per annum) (only for direct lending)

Collateral

Direct lending, credit partnerships, microfinance organizations - in accordance with the Collateral Policy of the Company.

Second-tier banks/Eurasian Development Bank, RIC - without collateral, within the limit established by the decision of the authorized body of the Company.

Leasing companies:

  • without collateral - if there is a rating from international rating agencies;
  • under the guarantee of second-tier banks/Eurasian Development Bank.

Online platform for sending an application for a loan up to 6 million tenge - AGRONESIE.KZ