Product Description and General Terms

• Maximum limit per end borrower

Up to 3.6 billion tenge, except for projects in the food industry, for which no limit applies

• Loan term

For loans issued for investment purposes — no more than 120 months;


For loans issued to replenish working capital — no more than 60 months.

• Purpose of the loan

Investments in the manufacturing and service industries


— Replenishing working capital for SME projects in the food and manufacturing industries

• Program participants cannot include

— Small and medium-sized enterprises implementing projects that involve the production of excisable goods;


— Legal entities whose founders (including participants, shareholders) are national management holdings, national holdings, national companies, and organizations, 50 percent or more of whose shares (equity participation) belong directly or indirectly to the state, national management holding, national holding, national company, as well as non-profit organizations

• Loans to end borrowers are prohibited for

— Participation in the share capital of legal entities

— Reimbursement of previously incurred expenses.


— Purchase of fixed assets or assets from affiliated/related companies/persons.

• Nominal loan interest rate

6% per annum

• APR

From 6.2%

• Loan currency

Tenge

• Credit line availability period

Up to 1 (one) year