When state programs do not fit
EBRD business loan
The European Bank for Reconstruction and Development is an international development bank. It lends to Kazakh businesses directly or through partner banks. The rate is higher than under state programs, but industry requirements are softer. We suggest this option when state programs do not fit.
2 minutes · we review your case individually
- Rate
- from19%
- Amount
- Depends on the project
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
- Business expansion and new projects
- Equipment and machinery
- Working capital
Who it is for
- An operating business with financial statements
- The project does not meet state program terms
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 EBRD 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 EBRD
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
≈ 2.2m ₸ a month
2 minutes · we review your case individually
Indicative calculation: annuity payment, program rate 19% 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.
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 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.
A bank already declined — is it worth trying?
Yes. 8 out of 10 clients who came to us after a bank refusal were approved.
We will find financing for your business
Answer a few questions about your business — an expert will message you on WhatsApp whether EBRD 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