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This type of loan is offered to business owners and legal entities for development of business activity or for achievement of the private purposes. Now it is optional to withdraw money from circulation in case of appearance of need for finance, it is enough to apply for the loan to Spitamen Bank. Owners of small and medium business can obtain the credits to 3 000 000 somoni or 300 000 US dollars.

The minimum required period of functioning, for receiving the credit, for business owners and for legal entities takes three months.

For regular customers with good credit history interest rate reduction is possible.



Loan amount: from 300 001 to 3 000 000

Loan amount: from 30 001 to 40 000

Loan interest: from 24% p.a.

 Loan interest: from 21% p.a. 


 Loan amount: from 40 001 to 50 000


 Loan interest: from 20% p.a. 


Loant amount: from 50 001 to 100 000


 Loan interest: from 17% p.a. 


 Loan amount: from 101 001 to 300 000


 Loan interest: from 16% p.a.

Maturity: from 3 tо 36 month 

To whom: legal entities, residents of RT 

Guarantor: required  

 Collateral: movable property and real estate  

Preferential terms: is given individually

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Necessary documents for design of the credit:

  • Charter of the company.
  • Certificate of registration of activities.
  • Copies of passports of founders, director and chief accountant.
  • Protocol of a meeting on receiving the credit.
  • Order on assignment of the director.
  • The administrative reporting (Balance, OPU, ODDS, etc.) for the last 3 months.

For design of personal and real estate as pledge, it will be required to acquire an insurance. We recommend insurance in one of the leading insurance companies of the country - Spitamen Insurance. Here will provide you an insurance on the best prices, as for clients of Bank.

Why take out a loan in Spitamen Bank?

  • Fast loan execution
  • Low interest rates
  • Individual and flexible approach to each client

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