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Regional funding programme

  • Basic conditions Local Executive Body Astana – Business
    Target group Individual entrepreneurs and legal entities - subjects of small and medium business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, officially registered and implementing Financing Projects in the territory of Astana.
    Purpose for financing
    • acquisition of franchising in all branches of the General Classification of Types of Economic Activity without restrictions;
    • modernization of the fixed assets, acquisition of new ones and construction projects in all branches of the General Classification of Types of Economic Activity: 1) 47 Retail trade, except of motor vehicles and motorcycles and 2) 56.1 Restaurants and food delivery services.
    Maximum limit on financing per borrower not over 70 000 000 tenge
    Maximum term of financing not more than 84 months*
    Currency tenge
    Availability period on the credit line from 6 to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate not more than 8,5% per annum
    (annual effective interest rate - from 9,3% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/22658
     

    *Programme is valid until 01.11.2023

    Conditions and tariffs can be changed unilaterally by the decision of the Bank.

  • Basic conditions Local Executive Body Astana Service
    Target group Individual entrepreneurs and legal entities - subjects of small and medium business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, officially registered and implementing Financing Project in the territory of Astana.
    Purpose for financing
    • Modernization of the fixed assets and acquisition of new ones;
    • Replenishment of working capital.
    Maximum limit on financing per borrower not over 150 000 000 tenge
    Maximum term of financing not more than 84 months*
    Currency tenge
    Availability period on the credit line from 6 up to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate not more than 8,5% per annum
    (annual effective interest rate - from 9% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/24112  

    *Programme is valid until 01.02.2024

  • Basic conditions Local Executive Body Astana – Start up
    Target audience Individual entrepreneurs and legal entities - subjects of small and medium business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, officially registered and implementing the Financing Project in the territory of Astana.
    Purpose of financing
    • Modernization of the fixed assets and acquisition of new ones;
    • Replenishment of working capital.
    Maximum limit on financing per borrower not more than 50 000 000 tenge
    Maximum term of financing not more than 84 months*
    Currency tenge
    Availability period on the credit line from 6 to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate not more than 7,9% per annum
    (annual effective interest rate - from 8,7% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/22659
     

    *Programme is valid until 01.11.2023.

    Conditions and tariffs can be changed unilaterally by the decision of the Bank.

  • Basic conditions Local Executive Body Almaty Innovations
    Target audience Individual entrepreneurs and legal entities - subjects of small and medium business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, officially registered and implementing/planning the implementation of the Financing Project in the territory of Almaty.
    Purpose for financing
    • Modernization of the fixed assets and acquisition of new ones;
    • Replenishment of working capital.
    Maximum limit on financing per borrower not more than 100 000 000 tenge
    Maximum term of financing not more than 84 months*
    Currency tenge
    Availability period on the credit line from 6 up to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate not more than 8,5% per annum
    (annual effective interest rate - from 9% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/23778
     
      

    *Programme is valid until 01.11.2023.

    Conditions and tariffs can be changed unilaterally by the decision of the Bank.

  • Basic conditions Local Executive Body Almaty-Onim
    Target audience Individual entrepreneurs and legal entities - subjects of small and medium business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, officially registered and implementing/planning the implementation of the Financing Project in the territory of Almaty.
    Purpose of financing
    • Modernization of the fixed assets and acquisition of new ones;
    • Replenishment of working capital.
    Maximum limit on financing per borrower not more than 100 000 000 tenge
    Maximum term of financing not more than 84 months*
    Currency tenge
    Availability period on the credit line from 6 to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate not more than 8.5% per annum
    (annual effective interest rate - from 9% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/22657  

    *Programme is valid until 01.12.2023

    Conditions and tariffs can be changed unilaterally by the decision of the Bank.

  • Basic conditions Local Executive Body Almaty-Tourism
    Target audience Individual entrepreneurs and legal entities - subjects of small and medium business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, officially registered and implementing/planning the implementation of the Financing Project in the territory of Almaty.
    Purpose of financing
    • Modernization of the fixed assets and acquisition of new ones
    Maximum financing limit per one borrower not more than 100 000 000 tenge
    Maximum financing period not more than 84 months*
    Currency tenge
    Availability period on the credit line from 6 up to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate not more than 8,5% per annum
    (annual effective interest rate - from 9% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/23472

    *Programme is valid until 01.12.2023

    Conditions and tariffs can be changed unilaterally by the decision of the Bank.

  • Target audience Individual entrepreneurs and legal entities - subjects of small and medium business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, registered and implementing projects in the territory of Almaty region.
    Purpose of funding
    • replenishment of working capital;
    • modernization of the fixed assets and acquisition of new ones.
    Maximum limit on financing 150 000 000 tenge
    Maximum term of financing* not more than 84 months*
    Currency tenge
    Availability period on the credit line from 3 to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate 7% per annum (annual effective interest rate - 7.7% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/10066

    *Programme is valid until 01.02.2023

    Conditions are valid from 24.05.2016. Conditions and tariffs can be changed unilaterally by the decision of the Bank.

  • Basic conditions Local Executive Body Akmola Region
    Target audience Individual entrepreneurs and legal entities - subjects of small and medium business in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, officially registered and implementing/planning the implementation of the Financing Project on the territory of single-industry towns, small towns and rural areas of the Akmola region.
    Purpose of financing - Modernization of the fixed assets and acquisition of new ones;
    - Replenishment of working capital.
    Maximum limit on financing per borrower not more than 100 000 000 tenge
    Maximum term of financing not more than 84 months*
    Currency tenge
    Availability period on the credit line from 3 up to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate not more than 8,5% per annum
    (annual effective interest rate - from 9,3% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/10066
     
    *Programme is valid until 01.09.2023.
  • Target audience Individual entrepreneurs and legal entities - subjects of small and medium business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, registered and implementing projects in the territory of Atyrau region.
    At the same time for Atyrau - only beginning entrepreneurs, implementing projects in priority sectors of the economy.
    Purpose of funding a) replenishment of working capital;
    b) modernization of the fixed assets and acquisition of new ones;
    c) refinancing of loan debts.
    Maximum limit on financing 50 000 000 tenge
    Maximum term of financing* not more than 84 months*
    Currency tenge
    Availability period on the credit line from 3 to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate 8.5% per annum (annual effective interest rate - 9.3% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/11782

    *Programme is valid until 01.05.2023

    Conditions and tariffs can be changed unilaterally by the decision of the Bank.

  • Basic conditions Local Executive Body East Kazakhstan Region
    Target audience Individual entrepreneurs and legal entities - subjects of small and medium business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, officially registered and implementing/planning the implementation of the Financing Project in the territory of the East Kazakhstan region.
    Purpose of financing
    • Modernization of the fixed assets and acquisition of new ones;
    • Replenishment of working capital.
    Maximum limit on financing per borrower not more than 50 000 000 tenge
    Maximum term of financing not more than 84 months*
    Currency tenge
    Availability period on the credit line from 3 up to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate not more than 8,5% per annum
    (annual effective interest rate - from 9,3% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/22663
     

    *Programme is valid until 01.11.2023.

    Conditions and tariffs can be changed unilaterally by the decision of the Bank.

  • Target audience Individual entrepreneurs and legal entities - subjects of small and medium-sized business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, registered and implementing / planning the implementation of the Financing Project in priority sectors of the economy in the Zhambyl region.
    Purpose of financing
    • Modernization of the fixed assets and acquisition of new ones;
    • Replenishment of working capital.
    Maximum financing limit
    • not more than 100 000 000 (one hundred million) tenge - for projects implemented in the city of Taraz;
    • not more than 50 000 000 (fifty million) tenge - for projects implemented in the Zhambyl region.
    Maximum term of financing not more than 84 months*
    Currency tenge
    Availability period on the credit line from 3 up to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate not more than 8,5% per annum (annual effective interest rate - from 9,3% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/11782

    *Programme is valid until 01.07.2023.
    Conditions and tariffs can be changed unilaterally by the decision of the Bank.

  • Target audience Individual entrepreneurs and legal entities - subjects of small and medium business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, registered and implementing projects in priority sectors of the economy in the territory of the West Kazakhstan region.
    Purpose of funding a) replenishment of working capital;
    b) modernization of the fixed assets and acquisition of new ones.
    Maximum limit on financing 200 000 000 tenge
    Maximum term of financing no more than 84 months *
    Currency tenge
    Availability period on the credit line from 3 to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate 8.5% per annum (annual effective interest rate - 9.3% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/11782

    *Programme is valid until 01.05.2023

    Conditions and tariffs can be changed unilaterally by the decision of the Bank.

  • Target audience Individual entrepreneurs and legal entities - subjects of small and medium business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, registered and implementing projects in the territory of Kostanay region.
    Purpose of funding
    • replenishment of working capital;
    • modernization of the fixed assets and acquisition of new ones.
    Maximum limit on financing
    • 80 million tenge for existing entrepreneurs;
    • 20 million tenge for beginning entrepreneurs.
    Maximum term of financing* not more than 84 months*
    Currency tenge
    Availability period on the credit line from 3 to 12 months
    Collateral according to the Bank's collateral policy requirements 8 
    Interest rate 8.5% per annum (annual effective interest rate - 9.3% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/11782

    *Programme is valid until 01.06.2023

    Conditions and tariffs can be changed unilaterally by the decision of the Bank.

  • Target audience Individual entrepreneurs and legal entities - subjects of small and medium business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, registered and implementing projects in priority sectors of the economy in the territory of Kyzylorda region.
    Purpose of funding
    • replenishment of working capital;
    • modernization of the fixed assets and acquisition of new ones.
    Maximum limit on financing 180 000 000 tenge
    Maximum term of financing* not more than 60 months*
    Currency tenge
    Availability period on the credit line from 3 to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate 8.5% per annum (annual effective interest rate - 9.5% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/11782

    *Programme is valid until 01.06.2023

    Conditions and tariffs can be changed unilaterally by the decision of the Bank.

  • Basic conditions “Kos-Koldau” Local Executive Body of Kostanay region 
    Target audience Individual entrepreneurs and legal entities - subjects of small and medium-sized business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship registered in the territory of Kostanay region (with the exception of Kostanay city) and implementing their projects in the territory of Kostanay region (with the exception of Kostanay city).
    Purpose of financing
    • Modernization of the fixed assets and acquisition of new ones;
    • Replenishment of working capital.
    Maximum limit on financing per borrower
    • not more than 50,000,000 (fifty million) tenge for existing ultimate borrowers;
    • not more than 20,000,000 (twenty million) tenge for beginning of ultimate borrowers.
    Maximum term of financing тot more than 84 months*
    Currency tenge
    Collateral according to the Bank's collateral policy requirements
    Interest rate not more than 8.5% per annum
    (annual effective interest rate - from 9.3% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/22665
     

    *Programme is valid until 01.03.2024
     
    Conditions and tariffs can be changed unilaterally by the decision of the Bank.
     

  • Target audience Individual entrepreneurs and legal entities - subjects of small and medium-sized business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, registered and implementing/planning the implementation of the Financing Project in priority sectors of the economy in the North Kazakhstan region.
    Purpose of financing Modernization of the fixed assets and acquisition of new ones
    Maximum limit on financing 30 000 000 tenge
    Maximum term of financing* not more than 84 months*
    Currency tenge
    Availability period on the credit line from 3 up to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate not more than 8,5% per annum (annual effective interest rate - from 9,3% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/22669

    *Programme is valid until 01.06.2023.

    Conditions and tariffs can be changed unilaterally by the decision of the Bank.
  • Basic conditions Local Executive Body of Pavlodar Region
    Target audience Individual entrepreneurs and legal entities - subjects of small and medium-sized business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, officially registered and implementing / planning the implementation of the Financing Project on the territory of single-industry towns, small towns and rural areas of Pavlodar region.
    Purpose of financing
    • Modernization of the fixed assets and acquisition of new ones;
    • Replenishment of working capital.
    Maximum limit on financing per borrower not more than 30 000 000 tenge
    Maximum term of financing not more than 84 months*
    Currency tenge
    Availability period on the credit line from 3 up to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate not more than 8,5% per annum (annual effective interest rate - from 9,3% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/22668 

    *Programme is valid until 01.08.2023

  • Basic conditions Local Executive Body of South Kazakhstan Region
    Target audience Individual entrepreneurs and legal entities - subjects of small and medium-sized business, in accordance with the legislation of the Republic of Kazakhstan on private entrepreneurship, officially registered and implementing / planning the implementation of the Financing Project in the territory of the South Kazakhstan region.
    Purpose of financing
    • Modernization of the fixed assets and acquisition of new ones
    Maximum limit on financing per borrower not more than 200 000 000
    Maximum term of financing not more than 84 months*
    Currency tenge
    Availability period on the credit line from 3 up to 12 months
    Collateral according to the Bank's collateral policy requirements
    Interest rate not more than 8,5% per annum (annual effective interest rate - from 9,3% per annum)
    Loan arrangement fee lump sum at the rate of 1% of the amount of the credit line
    More information about the Programme on the website of the "Damu" Fund http://www.damu.kz/10066
     

    *Programme is valid until 01.09.2023.

    Conditions and tariffs can be changed unilaterally by the decision of the Bank.
  •   Micro-loan Startt-loan

    Target audience

    Small business entities and/or microentrepreneurs - residents of the Republic of Kazakhstan.
    Requirements for the Loan considered under the Damu-Blitz technology
    Amount of the Loan
    • Not more than 60 000 000 tenge for the cities of Almaty and Astana;
    • Not more than 30 000 000 tenge for other regional filial branches.
    Not more than 20 000 000 tenge
    Purpose of the Loan Implementation of projects aimed at investment goals, replenishment of working capital, modernization and expansion of production. Refinancing of the current non-overdue loan, if it does not contradict the conditions of the Programmes.
    Term of the Loan
    • Maximum period – not more than 84 months;
    • For replenishment of working capital - not more than 36 months.
    Grace period for repayment of principal and interest
    According to the Programmes' conditions
    Procedure/Principal repayment method
    Installments, annuity, "flexible" schedule
    General classification of economic activities According to the Programmes' conditions
    Currency of the Loan Tenge
    Requirements to Entrepreneurs Business operating for at least 6 months (without interruption) at the time of application to the Bank The registration term of a small business entity must not exceed 36 months at the time of contacting the Bank
    Advantages
    • Time limit for decision-making by the Bank – not more than 7 (seven) business days from the date of receipt of the small business entity’s application;
    • On projects within the framework of the Programme that provides for the preliminary approval of a loan from the regional coordination council, the calculation of the time is from the date of receipt of the small business entity’s application and up to the date of sending the documents to the regional coordinating council.
    Mandatory requirement Utilization of the loan in a cashless way.
    Collateral All types of property that meet the requirements of the “Kazkommertsbank” JSC collateral policy