Loan Products

ACF offers a range of loan products, including both secured and unsecured individual loans that are available to existing businesses, as well as group loans also available to start-up businesses. All loans are offered in Kazakhstani Tenge (KZT) and are designed specifically to meet client needs.

We will not be able to serve you in Almaty, please apply for the loan to ACF offices in Issyk and Uzynagash.

Group Loans

loan-group-300Unsecured loans designed for groups mostly of women who are engaged in trade, small production, family farming, crafts and services.

  • Group size—3 to 10 members
  • Loan amount—maximum KZT 1,000,000 per group member
  • Loan term—maximum 24 months
  • Annual effective and nominal interest rate from 40%
Аpproximate calculation:
Amount of loan month payment per month (tenge) overpayment (tenge)
200,000 6 39,004 34,023
12 22,071 64,846
500,000 6 97,423 84,537
12 55,157 161,885
  • Personal identification
  • Proof of Address
  • Business registration documents
  •  Zero collateral required
  •  Efficient processing procedure
  •  Fast loan request review
  •  Free consultations on business and small holder farming development
  • Long-term financial partnership

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Individual Loans

loan-individual-300 Loans for the purpose of working capital, equipment and livestock procurement, and consumer needs.


  • Loan amount—maximum KZT 1,000,000
  • Loan term—maximum 36 months
  • Annual effective and nominal interest rate from 40%
Аpproximate calculation:
Amount of loan month payment per month (tenge) overpayment (tenge)
200,000 6 38,832 32,990
12 22,028 64,336
500,000 6 97,209 83,256
12 55,021 160,254
  • Personal identification
  • Proof of Address
  • Business registration documents
  • Zero collateral required
  • Approach tailored to individual client needs
  • Fast loan request review
  • Free business development advice service
  • Long-term financial partnership

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Individual secured loans

Individual secured loansLoans for the purpose of development and business extension, repair of commercial and residential real estate, support of agriculture and satisfaction of the consumer’s needs.

  • Loan amount—from KZT 1,500,000 to KZT 19,000,000
  • Loan term—up to 60 months
  • No commission fee
  • Annual effective and nominal interest rate from 36%
Approximate calculation
Amount of loan month payment per month (tenge) overpayment (tenge)
1,500,000 12 155,226 362,712
24 93,409 741,816
36 73,926 1,161,336
3,000,000 12 307,415 688,980
24 183,563 1,405,512
36 144,330 2,195,880
5,000,000 12 507,321 1,087,852
24 300 563 2,213,512
36 234,750 3,451,000
  • Personal identification
  • Proof of address
  • Business registration documents. In case of pension—pension card, in case of official work—certificate of salary
  • Originals of the title documents for suggested security
  • Marriage/marriage dissolution certificate (if available)
  • Approach tailord to individual client needs
  • Fast loan request review (we know the value of your and our time)
  • Flexible schedule of repayment, if necessary
  • Free-of-charge consultations on development and extension of your business
  • Decrease of the interest rate in subsequent lending is provided

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Residential Energy Efficiency Lending (REEL) Loans

loan-energy-300REEL loans are designed to provide homeowners in rural areas with the funds necessary for energy-efficient renovation and construction work. The REEL loans can be used for the following purposes:

  1. Repair and reconstruction of residential/commercial buildings:
    • Installation of replacement windows, doors, roofing and flooring
    • Insulation of window and door openings, roofing, attics, basements, flooring, and external and internal walls
  2. Installation and replacement of heating systems:
    • Replacement of radiators
    • Installation of energy efficient boilers
    • Access to gas pipelines and heating
  3. Installation of renewable energy sources.

  • Loan amount—maximum KZT 1,000,000
  • Loan term—maximum 36 months
  • Annual effective and nominal interest rate from 40%
Аpproximate calculation:
Amount of loan month payment per month (tenge) overpayment (tenge)
200,000 6 38,256 29,536
12 21,517 58,204
500,000 6 95,640 73,839
12 53,793 145,511
  • Personal Identification
  • Proof of Address
  • Construction authorization documents
  • Real estate ownership documents
  • Marriage certificate (if applicable)
  • Business registration documents
  • Zero collateral required
  • Flexible repayment
  • Fast loan request review
  • Free repair and construction works advice
  • Long-term financial partnership


Request a call back