Dala Capital

About us

A boutique consulting firm for raising finance

We are a team of specialists with experience in credit analysis and project appraisal at banks and development institutions. We joined forces to manage client projects personally — under contract, from the first conversation to the bank’s decision. We know what a bank looks for in an application and why it declines.

We work under contract · your data stays confidential

Team experience

  • Credit analysis

    7 years in corporate lending

  • Investment project appraisal

    Over 5 years supporting large investment projects

  • Corporate finance and transactions

    Broad experience in corporate finance and deal structuring

Our principle
We do not influence the decision of the bank or fund — it is made under their internal procedures. Our job is to prepare a project that passes those procedures.

We don’t just collect documents. We know where, when and how to submit your project

  • We choose a bank that is looking for projects like yours right now

    Every bank and program has its own priorities: industries, amounts, regions. We submit where your project is wanted.

  • We know when to apply

    State programs have annual limits. A project prepared in advance makes it into the current allocation.

  • We package the project to make it attractive to the bank

    A business plan and calculations built for the specific program — the figures match the financial statements.

  • We solve the collateral issue

    We design a financing structure that can pass even without collateral.

  • We answer the bank’s questions for you

    A wrong answer can cost you approval. We handle communication with the bank through to the decision.

Cost and when to pay

  • The first consultation is free

    We tell you which program fits and how much you can get.

  • A contract with no prepayment

    It fixes a percentage of the approved amount. The business plan, calculations and documents are included.

  • The bank approves — you pay under the contract. The bank declines — you pay nothing

    That is why we only take on projects that can pass. If we see a project will not pass, we tell you right away.

  • Need advice only, without a contract?

    We offer a paid consultation: we review your case and give you a plan for obtaining financing on your own. Price on request.

Frequently asked questions

Are you a bank?

No. We are a consulting company: we do not issue loans or make lending decisions. The bank issues the loan; we prepare your project and see it through to a decision.

Why not go to the bank myself?

You can. But a bank only assesses applications — it will not prepare one for you and usually will not explain why it declined. We choose the bank, package the project and remove the reasons for refusal before submission.

How much does it cost?

A percentage of the approved amount, fixed in the contract. Document preparation is included. No prepayment.

What if the bank declines?

You pay nothing. That is why we only take on projects that can pass.

Do I need documents to start?

No. At the first step it is enough to tell us about your business: industry, how long you have been operating, how much you need and what for. Documents are needed only once we take the project on — and we will give you the list.

How long does it take?

Usually about one and a half months from the first conversation to the bank’s decision, depending on the program and the bank.

Not enough collateral — is that the end?

No. We design a financing structure that can pass even without collateral.

A bank already declined — is it worth trying?

Yes. 8 out of 10 clients who came to us after a bank refusal were approved.

My business is less than a year old or just starting — can I apply?

It depends on the program. Most state programs require an operating business with financial statements, but there are options for new entrepreneurs too — for example, if you have collateral or your own investment in the project. If your LLP or sole proprietorship is not registered yet, start with registration. Tell us about the project and we will tell you whether there is an option for your case.

Do you work across Kazakhstan?

Yes. Our clients’ projects are in 10 regions of Kazakhstan. The first conversation takes place on WhatsApp or by video call, so your city does not matter.

Find out which concessional loan your business can get

2 minutes. You pay us only once the bank approves the loan.