«Barqaror» loan
Revolving credit under the General Agreement for legal entities
Updated: 20-01-2023
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28 %interest rate -
up to 36 monthsloan term
| Indicator | Value/Description |
| Client Segmentation | Business entities |
| Requirements for a Good Credit History | No overdue debt; • No outstanding balances on loans subject to legal claims, including principal and interest amounts transferred to off-balance sheet accounts; • Credit Information Analysis Center (KIAC) score above 200 points; • No active loans classified as "unsatisfactory," "doubtful," or "hopeless"; • No overdue credit debt from affiliated enterprises in the system of JSC “Garant bank”. |
| Loan Amount | Within the limit allocated based on the General Agreement. |
| Loan Term | Duration of the General Agreement – up to 36 months; Duration of individual loan agreement terms – up to 12 months. (When a new loan is provided to the client within the allocated limit, full repayment of previously issued loans is not required.) |
| Grace Period | Within individual loan agreements – up to 3 months. |
| Purpose of the loan | To replenish working capital under the General Agreement. |
| Minimum Interest Rate on the Loan | 28 % |
| Permissible Types of Collateral | 1. Cash funds. 2. Real estate. 3. Vehicles with an operation period of no more than 5 years. |
List of Documents Required for Obtaining a Loan
1. Loan application;
2. Constituent documents of the borrower enterprise (certificate of registration, articles of association, order, and copies of passports of the founders, director, and accountant (if applicable));
3. Consent of the borrower enterprise’s founders to obtain a loan, executed in accordance with the applicable legislation (except for private enterprises);
4. Balance sheet and financial performance report of the borrower enterprise (submitted electronically to the relevant State Tax Service) for the latest reporting period (annual and quarterly);
5. Electronic valuation report of the collateral object and an independent appraisal organization’s report;
6. Cadastral documents (extract and cadastral passport), in case of real estate collateral;
7. Vehicle registration certificate (technical passport, technical coupon), if the collateral includes vehicles and special equipment;
8. Consent of the enterprise’s founders to provide property as collateral for the loan, constituent documents of the enterprise, copies of the director’s and chief accountant’s passports (if applicable), if the third-party pledgor is a legal entity (if the enterprise is serviced by another bank);
9. Copy of the passport, if the third-party pledgor is an individual;
10. In case of third-party guarantee: constituent documents of the guarantor (certificate of registration, articles of association, order, and copies of passports of the founders, director, and accountant (if applicable)); decision of the guarantor enterprise’s founders to provide a guarantee; cash flow statement for all accounts of the guarantor for the last 12 months; latest balance sheet report (annual and quarterly) of the guarantor enterprise (submitted electronically to the relevant State Tax Service); financial performance report; credit history report of the guarantor (from the Credit Information Analysis Center, KIAC);
11. Bank-confirmed information on the cash flow of the borrower enterprise across all bank accounts for the last 12 months (if other accounts exist);
12. Business plan;
13. Sales and purchase agreements for the acquisition of products;
14. Additional documents may be requested if necessary.
2. Constituent documents of the borrower enterprise (certificate of registration, articles of association, order, and copies of passports of the founders, director, and accountant (if applicable));
3. Consent of the borrower enterprise’s founders to obtain a loan, executed in accordance with the applicable legislation (except for private enterprises);
4. Balance sheet and financial performance report of the borrower enterprise (submitted electronically to the relevant State Tax Service) for the latest reporting period (annual and quarterly);
5. Electronic valuation report of the collateral object and an independent appraisal organization’s report;
6. Cadastral documents (extract and cadastral passport), in case of real estate collateral;
7. Vehicle registration certificate (technical passport, technical coupon), if the collateral includes vehicles and special equipment;
8. Consent of the enterprise’s founders to provide property as collateral for the loan, constituent documents of the enterprise, copies of the director’s and chief accountant’s passports (if applicable), if the third-party pledgor is a legal entity (if the enterprise is serviced by another bank);
9. Copy of the passport, if the third-party pledgor is an individual;
10. In case of third-party guarantee: constituent documents of the guarantor (certificate of registration, articles of association, order, and copies of passports of the founders, director, and accountant (if applicable)); decision of the guarantor enterprise’s founders to provide a guarantee; cash flow statement for all accounts of the guarantor for the last 12 months; latest balance sheet report (annual and quarterly) of the guarantor enterprise (submitted electronically to the relevant State Tax Service); financial performance report; credit history report of the guarantor (from the Credit Information Analysis Center, KIAC);
11. Bank-confirmed information on the cash flow of the borrower enterprise across all bank accounts for the last 12 months (if other accounts exist);
12. Business plan;
13. Sales and purchase agreements for the acquisition of products;
14. Additional documents may be requested if necessary.
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