Microloan Products

ACF offers a range of microloan products, including both secured and unsecured individual microloans that are available to existing businesses, as well as group microloans also available to start-up businesses. All microloans 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 microloan to ACF offices in Issyk and Uzynagash.

Group Microloans

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

  • Group size—3 to 10 members
  • Amount— from KZT 30 000 to KZT 1,000,000 per group member
  • Term—from 6 to 24 months
  • Annual effective interest rate from 49.8%
  • Nominal interest rate from 41%
Аpproximate calculation:
Amount month payment per month (tenge) overpayment (tenge)
200,000 12 20,595 47,145
24 12,346 96,299
500,000 12 51,489 117,862
24 30,865 240,749
  • Personal identification
  • Business supporting documents
  •  Zero collateral required
  •  Efficient processing procedure
  •  Fast microloan request review
  •  Free consultations on business and small holder farming development
  • Long-term financial partnership

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Individual Microloans

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


  • Amount—from KZT 100 000 to KZT 1,000,000
  • Term—from 6 to 36 months
  • Annual effective interest rate from 49.8%
  • Nominal interest rate from 41%
Аpproximate calculation:
Amount month payment per month (tenge) overpayment (tenge)
200,000 12 20,900 50,804
24 12,674 104,165
500,000 12 52,251 127,009
24 31,684 260,413
  • Personal identification
  • Business registration documents
  • Income confirmation of guarantors
  • Real estate or land documents
  • Marriage/divorce certificate (if any)
  • Zero collateral required
  • Approach tailored to individual client needs
  • Fast microloan request review
  • Free business development advice service
  • Long-term financial partnership

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Individual secured microloans

Individual secured loansMicroloans 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.

  • Amount—from KZT 1,500,000 to KZT53,000,000
  • Term— from 6 to 60 months
  • No commission fee
  • Annual effective interest rate from 48.37%
  • Nominal interest rate from 32%
Approximate calculation
Amount 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
  • Business registration documents. In case of pension—pension card, in case of official work—certificate of salary
  • Originals of the documents for suggested security
  • Marriage/marriage dissolution certificate (if available)
  • Form No. 2 (a) “Certificate of registered rights on security property and its technical characteristics”
  • Approach tailord to individual client needs
  • Fast microloan 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 Microloans

loan-energy-300Residential Energy Efficiency Lending Microloans are designed to provide homeowners in rural areas with the funds necessary for energy-efficient renovation and construction work. Residential Energy Efficiency Lending Microloans 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.

  • Amount—from KZT 100 000 to KZT 1,500,000
  • Term—from 6 to 24 months
  • Annual effective interest rate from 49.8%
  • Nominal interest rate from 41%
Аpproximate calculation:
Amount month payment per month (tenge) overpayment (tenge)
200,000 12 20,900 50,804
24 12,674 104,165
500,000 12 52,251 127,009
24 31,684 260,413
  • Personal Identification
  • Marriage certificate (if applicable)
  • Business registration documents
  • Construction authorization documents
  • Real estate ownership documents
  • Zero collateral required
  • Flexible repayment
  • Fast microloan request review
  • Free repair and construction works advice
  • Long-term financial partnership


Request a call back