Damu program loan
Damu is a state fund that supports small and medium businesses. The bank issues the loan, and under the fund’s program the state pays part of the interest, so your rate is below market. If collateral is insufficient, the fund can provide a guarantee to the bank.
2 minutes · we review your case individually
- Rate
- from12,6%
- Amount
- up to 7bn ₸
Rates are shown as of October 2026 and may change. The final rate is set by the bank or the program.
What it can finance
- Purchase of equipment and machinery
- Purchase, construction or renovation of premises
- Working capital
- Expansion of an existing business
Who it is for
- An operating LLP or sole proprietor in Kazakhstan
- The industry and project purpose meet the program terms — we check this in the first conversation
- The business can show the bank how the loan will be repaid
Documents you will need
- LLP founding documents or sole proprietor registration certificate
- Financial statements and tax returns for recent years
- Bank account statements
- Quotes or contracts for what you are buying
- Collateral documents, if any
- Business plan and calculations — we prepare them
We will give you the exact list for your case after the first conversation. You can start without documents.
Why a Damu loan is hard to get on your own
It is unclear 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.
Documents returned for revision
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.
How much you save with Damu
Compare the extra cost of a standard loan and the program. Move the amount and choose the term.
2 minutes · we review your case individually
≈ 2.5m ₸ a month
≈ 1.8m ₸ a month
2 minutes · we review your case individually
Indicative calculation: annuity payment, program rate 12,6% vs 24%, the typical rate for a standard business loan. Final terms are set by the bank.
Questions about the program
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 whether Damu or another program fits you and what amount 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