Agro Loans

Demir Bank offers loans for the development of agriculture, including crop production, processing, storage and sale of agricultural products, livestock.
WHO CAN GET A LOAN FOR AGRO BUSINESS:
  • Individuals
  • Individual entrepreneurs acting on the basis of a patent or certificate
  • Farms, cooperatives, enterprises, legal entities involved in agriculture.
ADVANTAGES of lending at Demir Bank:
  • Individual approach to each client
  • Free consultations
  • Low interest rates
  • Optimal loan terms depending on the purpose
  • Various collateral options
  • The ability to receive 100% financing by the bank

DISCOVER NEW OPPORTUNITIES WITH DEMIR BANK!

Purpose - For working capital      
- For investment projects
Term - For working caital: 3 -12 месяцев
- For investment projects: till 01.06.2025
Own funds Not less than 10% from loan amount
Currency KGS
% rate from 16%*
*Effective interest rate from 17,48%
Loan amount - Crop production: 50 000 - 7 400 000 KGS
- Agro-Processing: 50 000 - 37 000 000 KGS
Repayment conditions - annuity- principal amount and interest - monthly by equal parts
- flexible schedule for principal amount depending on season of business
Grace period - Crop production: up to 8 months
- Agro-Processing: up to 12 months        
Obligatory condition turnover of not less than 35 000 000 KGS
Livestock financing is carried out if the farmer supplies the products of a company engaged in the processing and production of dairy or meat products.
An agreement between the farmer and the company is required. In the absence of an agreement or termination of its validity, financing is carried out under the terms of the Credit Agro product.
Purpose - For working capital
- For investment projects
Term - For working capital: 3 - 18 months
- For investment projects: 6 - 60 months
Own funds
 - For working capital: Not required

- For investment projects:  Not less than 10% from loan amount

Currency KGS
% rate from 16% per annum*
*Effective interest rate from 17,48%
Loan amount From 50 000 KGS
Repayment conditions - annuity- principal amount and interest - monthly by equal parts
- flexible schedule for principal amount depending on season of business

If you have questions you can refer to specialists at the DemirBank Contact-center: +996 (312) 90 90 60

  • Package of foundation documents – for legal entities
  • Copy of certificate on registration of private entrepreneur in statistic organs, in Social Fund or insurance policy, TIN card or patent – for private entrepreneurs
  • Copies of applicant’s passport, spouse/spouses of applicant, guarantor, spouse/spouses of guarantor
  • Copy of license (if applicable)
  • Financials with detailed explanations for/as of the last 3 years and for/as of the last reporting date – for legal entities
  • Confirmation letter on availability /absence of credits and statements from all servicing banks
  • Current agreements/contracts (copies)
  • Rent agreement (copy) or ownership documents for trade/production point
  • Confirmation on absence of debts from State Tax Inspection and Social Fund
  • Decision of the control body for getting a loan – for legal entities
  • Ownership documents for collateral items and confirmation on absence of arrest for property to be pledged
  • Documents on assessed value of collateral made by appraiser acceptable for the Bank
  • Other documents by the Bank’s request

How to get the loan?

  1. Prepare the necessary documents;
  2. Fill out the application form:                  - for legal entities (download );            - for private entrepreneurs (download );
  3. Apply to any bank branch with filled application and the package of documents.

Tariffs