Credits
Tariffs
1. Loans
Business Development Loans
Loan "Income" KYRSEFF
Agro Loans
2. Trade Finance Products
Documentary Letters of Credit
Bank Guarantee
Documentary Collection
1. For legal entities
Business development loans
- Package of incorporation documents
- Copies of licenses (if required for the type of activity)
- Financial reports (balance sheet, income statement, cash flow statement, statement of changes in equity) with breakdowns for the last 3 years and the most recent reporting quarter
- Certificate of accounts payable and bank statements from servicing banks
- Copies of active contracts / agreements
- Lease agreement or proof of ownership of the commercial / service / production facility
- Certificate from the Tax Authority and Social Fund confirming the absence of debts
- Decision from the relevant management body to approve the loan
- Valuation report of the collateral item, conducted by an appraiser acceptable to the bank
- If necessary, other documents
- Documents confirming ownership of the pledged property and certificates of absence from the State Register (for real estate), traffic police (for vehicles), or the Central Register of Movable Property (for movable property)
"Profitable" loan KYRSEFF
- Relevant documentation with pricing and technical specifications for the work on the approved supplier’s official letterhead.
- Package of incorporation documents
- Copies of licenses (if required for the type of activity)
- Financial reports (balance sheet, income statement, cash flow statement, statement of changes in equity) with breakdowns for the last 3 years and the most recent reporting quarter
- Certificate of accounts payable and bank statements from servicing banks
- Copies of active contracts / agreements
- Lease agreement or proof of ownership of the commercial / service / production facility
- Certificate from the Tax Authority and Social Fund confirming the absence of debts
- Decision from the relevant management body to approve the loan
- Valuation report of the collateral item, conducted by an appraiser acceptable to the bank
- If necessary, other documents
- Documents confirming ownership of the pledged property and certificates of absence from the State Register (for real estate), traffic police (for vehicles), or the Central Register of Movable Property (for movable property)
Agrocredit
- Package of incorporation documents
- Copies of licenses (if required for the type of activity)
- Financial reports (balance sheet, income statement, cash flow statement, statement of changes in equity) with breakdowns for the last 3 years and the most recent reporting quarter
- Certificate of accounts payable and bank statements from servicing banks
- Copies of active contracts / agreements
- Lease agreement or proof of ownership of the commercial / service / production facility
- Certificate from the Tax Authority and Social Fund confirming the absence of debts
- Decision from the relevant management body to approve the loan
- Valuation report of the collateral item, conducted by an appraiser acceptable to the bank
- If necessary, other documents
- Documents confirming ownership of the pledged property and certificates of absence from the State Register (for real estate), traffic police (for vehicles), or the Central Register of Movable Property (for movable property)
Overdraft
- Package of incorporation documents
- Financial reports (balance sheet, income statement, cash flow statement, statement of changes in equity) with breakdowns for the last 3 years and the most recent reporting quarter
- Certificate of accounts payable and bank statements from servicing banks
- Copies of active contracts / agreements
- Certificate from the Tax Authority and Social Fund confirming the absence of debts
- Decision from the relevant management body to approve the loan
- Documents confirming ownership of the pledged property and certificates of absence from the State Register (for real estate), traffic police (for vehicles), or the Central Register of Movable Property (for movable property)
- Valuation report of the collateral item, conducted by an appraiser acceptable to the bank
- If necessary, other documents
2. For individual entrepreneurs
Business Development Loans
- Copy of the Certificate of Registration of an Individual Entrepreneur with the statistics authority, Social Fund or insurance policy, copy of the TIN card or patent, receipt of payment for the patent
- Copies of licenses (if required for the type of activity)
- Certificate of accounts payable and bank statements from servicing banks
- Copies of active contracts / agreements
- Lease agreement or proof of ownership of the commercial / service / production facility
- Certificate from the Tax Authority and Social Fund confirming the absence of debts
- Valuation report of the collateral item, conducted by an appraiser acceptable to the bank
- If necessary, other documents
- Documents confirming ownership of the pledged property and certificates of absence from the State Register (for real estate), traffic police (for vehicles), or the Central Register of Movable Property (for movable property)
Credit "Profitable" KYRSEFF
- Relevant documentation with pricing and technical specifications of the work on the official letterhead of the approved supplier.
- Copy of the Certificate of Registration of an Individual Entrepreneur with the statistics authority, Social Fund or insurance policy, copy of the TIN card or patent, receipt of payment for the patent
- Copies of licenses (if required for the type of activity)
- Certificate of accounts payable and bank statements from servicing banks
- Copies of active contracts / agreements
- Lease agreement or proof of ownership of the commercial / service / production facility
- Certificate from the Tax Authority and Social Fund confirming the absence of debts
- Valuation report of the collateral item, conducted by an appraiser acceptable to the bank
- If necessary, other documents
- Documents confirming ownership of the pledged property and certificates of absence from the State Register (for real estate), traffic police (for vehicles), or the Central Register of Movable Property (for movable property)
Agrocredit
- Copy of the Certificate of Registration of an Individual Entrepreneur with the statistics authority, Social Fund or insurance policy, copy of the TIN card or patent, receipt of payment for the patent
- Copies of licenses (if required for the type of activity)
- Certificate of accounts payable and bank statements from servicing banks
- Copies of active contracts / agreements
- Lease agreement or proof of ownership of the commercial / service / production facility
- Certificate from the Tax Authority and Social Fund confirming the absence of debts
- Valuation report of the collateral item, conducted by an appraiser acceptable to the bank
- If necessary, other documents
- Documents confirming ownership of the pledged property and certificates of absence from the State Register (for real estate), traffic police (for vehicles), or the Central Register of Movable Property (for movable property)
Overdraft
- Copy of the applicant's passport, the spouse's passport, the guarantor's passport, and the spouse's passport of the guarantor
- Copy of the Certificate of Registration of an Individual Entrepreneur with the statistics authority, Social Fund or insurance policy, TIN card or patent
- Copy of the license (if applicable)
- Current contracts (if available)
- Lease agreement or proof of ownership of the commercial / service / production facility
- Certificate from the Tax Authority and Social Fund confirming the absence of debts
- Certificate of accounts payable and bank statements from servicing banks
- Documents confirming ownership of the pledged property and certificates of the absence of arrest
- Valuation report of the collateral item, conducted by an appraiser acceptable to the bank
- If necessary, other documents
Applications
1. For legal entities
Business development loans
"Profitable" KYRSEFF Credit
Agroloans
Overdraft
2. For individual entrepreneurs
Business development loans
"Profitable" KYRSEFF Credit
Agroloans
Overdraft
How to get financing from Borusan Makina Kyrgyzstan?
- Select the equipment you are interested in from "Borusan Makina Kyrgyzstan";
- Obtain a cost estimate for the selected equipment from "Borusan Makina Kyrgyzstan";
- Apply for a loan from DemirBank and submit the cost estimate along with all required documents for loan review;
- If the loan is approved and no additional collateral is required, deposit the down payment into your account at DemirBank;
- Sign a supply agreement with "Borusan Makina Kyrgyzstan";
- Sign a loan agreement with DemirBank.
How Does Documentary Collection Work?
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STEP 1
The buyer and the seller conclude a sales contract; |
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STEP 2
The principal ships the goods and submits the documents to the remitting bank for collection; |
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STEP 3
The remitting bank sends the collection order and documents to the collecting bank; |
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STEP 4
The collecting bank contacts the importer to obtain payment or bill of exchange acceptance; |
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STEP 5
The collecting bank transfers the documents to the importer; |
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STEP 6
The importer presents the documents to the shipping agent and receives the goods; |
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STEP 7
The collecting bank transfers the payment to the remitting bank; |
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STEP 8
The remitting bank pays the funds to the exporter; |
How does a government letter of credit work?
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STEP 1
Contract is concluded between the buyer and seller with payment by letter of credit. |
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STEP 2
The buyer instructs their bank (issuing bank) to open a letter of credit. |
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STEP 3
The issuing bank opens the letter of credit and sends it to the advising bank to notify the seller. |
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STEP 4
Notification is given to the seller about the opened letter of credit. |
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STEP 5
Shipment of goods after verifying the letter of credit matches contract terms. |
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STEP 6
Presentation of documents under the letter of credit to the beneficiary’s (seller’s) bank. |
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STEP 7
Buyer’s bank receives the documents under the letter of credit. |
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STEP 8
Buyer’s bank reimburses the seller’s bank. |
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STEP 9
Documents under the letter of credit are handed over to the buyer. |