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RU|EN
Loans
ACF offers a range of products, both secured individual and unsecured group, designed specifically for customer needs. All loans are offered in tenge and can be received only by existing business. Loan for start-up business can be received within group loan product.
“Group Loan Product”
Unsecured loan (up to 300 000 tenge) based on group solidarity of group members – women who are engaged in trade, small production, family farm, artisan work and services.
Benefits include …
Lending criteria
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Without collateral, group guarantee
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Loan amount from 50 000 to 300 000 tenge per one borrower
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Loan term from 3 to 12 months
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Interest rate 2,2 % for 28 days, 2,3 % for 30 days
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Group is composed from 4 to 10 people
Required documents …
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ID
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Tax Identification Number
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Document which verifies address
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2 pictures (3*4)
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Documents which verify business existence
“Tabys”
Secured Loans are offered to micro enterprises for business expansion and require hard collateral depending on the loan amount.
Benefits include:
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loans of up to 5.0 mln Tenge for a maximum of three years, for working capital up to 12 months
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less stringent income criteria to determine loan eligibility
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interest rate decreases for repeat clients with excellent credit history
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a credit line which ensures long-term relationship with financial partner as well as eliminating need to re-register collateral
Lending criteria …,
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Existence of business not less than 6 months, business records
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Financing of working capital (up to 12 months), purchasing of fixed assets, renovation of commercial real estate, consumer loans.
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Collateral and guarantees from physical persons
“Tau”
Small Business Growth Loans are offered to SMEs who want to borrow money in order to increase working capital; purchase or repair commercial real estate, automobile, equipment or other fixed assets; and business acquisition.
Benefits include
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loans of up to 10 mln Tenge at a competitive interest rate for a maximum of three years (purchase of commercial real estate for 5 years)
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professional consultations
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a credit line which ensures long-term relationship with financial partner as well as eliminating need to re-register collateral
Lending criteria …,
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Existence of business not less than 12 months, business records
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Financing of working capital, purchasing of fixed assets, renovation of commercial real estate, business acquisition, consumer loans.
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Hard collateral and guarantees from physical persons
“Shanyrak”
Loans to entrepreneurs for commercial as well as residential real estate purchases and constructions. We target low and middle income individuals, and give loans for construction not just in cities, but in suburban and rural areas. Loan decision is made based on cash flow analysis, not on value of real estate.
Benefits include
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loans of up to 3.5 mln. Tenge with repayment over three years for construction and renovation
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easy accessibility of loans to clients not registered in cities, who have traditionally had difficulty in procuring such loans from banks
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a credit line which ensures long-term relationship with financial partner as well as eliminating need to re-register collateral
Lending criteria …,
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Existence of business not less than 12 months, business records
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Construction budget
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Hard collateral and guarantees from physical persons
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About ACF