Mass Entrepreneurship 'Enbek'

SME Financing Terms

• Interest Rate

The nominal interest rate on the loan is no more than 14% (fourteen percent) per annum

• Loan Amount

750 000 000 KZT

• Loan Term

— For investments: no more than 84 months, but not later than 01.07.2025;
— For working capital replenishment: no more than 36 months, but not later than 01.07.2025.

• Loan Currency

KZT

• Credit Line Availability Period

Up to 1 (one) year

• Purpose of the Loan

— Investments;

— Working capital replenishment;
— Refinancing of existing obligations of final borrowers previously directed to investments and/or working capital replenishment

• Nominal Annual Interest Rate

14% per annum

• APR

From 14.3%

• Other Conditions

SMEs can participate in the state business support and development program "Business Roadmap 2025" for subsidies and guarantees

Entities not eligible to participate

— Small and medium-sized enterprises (SMEs) that are not classified as private SMEs;

— SMEs implementing projects that involve the production and wholesale distribution of excisable goods or products, except for projects related to the manufacturing of motor vehicles;

— SMEs implementing projects involving the organization and/or development of gambling businesses

Entities eligible to participate in the program

Business entities that meet the requirements set forth by the legislation of the Republic of Kazakhstan