State programs with reduced rates
A standard business loan costs 24–36% a year. State programs start from 12.6%, and from 5% for agriculture.
For small and medium businesses
For large projects
When state programs do not fit
Rates are shown as of October 2026 and may change. The final rate is set by the bank or the program.
Why concessional loans are hard to get on your own
It is unclear which program fits and how the bank wants the application to look
Each program has its own submission rules, amounts and business requirements.
Declined without explanation
Banks usually do not explain why they decline. You can apply again and again without knowing what to fix — and lose months or even years.
Documents returned for revision
Again, no explanation. Often the business plan is written as a formality and does not match the financial statements.
Not enough collateral
And the conversation ends there. Yet a financing structure can be built that passes without collateral.
The bank assesses the application, but preparing it is not its job. That is what we do.
Questions about the programs
How much does it cost?
A percentage of the approved amount, fixed in the contract. Document preparation is included. No prepayment.
Not enough collateral — is that the end?
No. We design a financing structure that can pass even without collateral.
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.
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.
We will find financing for your business
Answer a few questions about your business — an expert will message you on WhatsApp with the programs that fit and the amount and rate you can expect.
Prefer to message? WhatsAppQuestion 1 of 8 · about 2 minutes
How much funding do you need?
What happens after you answer
- A specialist will message you on WhatsApp within 15 minutes during business hours
- They will tell you which program fits, how much you can get and at what rate
- It is free and does not commit you to anything