Bakai Bank small loans are suitable for individuals earning income from business, entrepreneurs and companies with a stable business, operating for at least 6 months (continuously) in trade and services, or at least 9 months (continuously) in manufacturing before applying for a loan.

Amount: from 30 001 USD, EUR / 2 000 001 som, roubles

Term for current assets replenishment: from 3 to 36 months, for replenishment of fixed assets and other purposes: from 3 to 60 months

Early repayment commission - free,

Rates

Loan amount/amount of individual loan under the Credit Line	US dollar, % per annum	Soms, % per annum	Rubles, % per annum	Euro, % per annum
from 2 000 001 KGS/RUB to 10 000 000 KGS/RUB from 30 001 USD/EUR to150 000 USD/EUR	from 13-17%	22-23%	from 21%	from 12-16%
from 10 000 001 KGS/RUB to 70 000 000 KGS/RUB. from 150 001 USD/EUR to 1 000 000 USD/EUR	from 10%	from 20%	from 19%	from 9%
from 70 000 001 KGS/RUB, 1 000 001 USD/EUR	from 8%	from 19%	from 19%	from 8%
When pledging a time deposit in single currency, to set a Plus on top of interest rate of a time deposit (upon the decision of the Credit Committee of the Bakai Bank Head Office)	from +3 % on top of the deposit rate
When pledging a time deposit in different currencies, to set a Plus on top of interest rate of a time deposit (upon the decision of the Credit Committee of the Bakai Bank Head Office)	from +8% on top of the deposit rate

*Effective interest rate: in USD and EUR from 18% per annum, in KGS and RUB from 19% per annum

Loan for business purposes

Purchase of goods, fabric, consumables and other current assets
Purchase of business premises, equipment, vehicles, furniture, computers and other fixed assets
Repair of premises and equipment
Refinancing other loans and private borrowings
Investments for expansion, diversification of business
Other purposes in accordance with the Bank's requirements (consult with a loan officer)

Bakai Bank – a caring partner for your business


Individual approach	Fast application turnaround	Payment schedule is based on the specificity of your business

The following may be accepted as collateral:

Real estate
Motor vehicles (passenger, cargo, passenger)
Personal property
Equipment (including containers and pavilions)
Goods in turnover
Property to be received in the future, including goods in turnover
Surety
Other types of collateral meeting the Bank's requirements.

Monthly, principal and interest in annuity installments.
Monthly, principal debt in equal installments.
Flexible schedule (in some cases), repayment of principal and interest depending on the seasonality of the business under consideration in accordance with the decision of the Credit Committee.
There is a possibility for grantinga deferral of principal repayment without a lump sum repayment at the end of the term by the decision of the Credit Committee.

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This loan calculator provides only estimate amount of payments.

For more information, please contact OJSC “BAKAI BANK”.

Month	Remainder	Repayment	Repayment %	Payouts

Frequency and amount of loan payments may differ from those specified in accordance with the terms of the loan agreement. This loan payment schedule is not a public offer and is intended for information purposes only.