The Microloan program at Bakai Bank is designed for entrepreneurs and businesses that have been operating for over six months. The bank also provides startup financing, provided the client covers 70% of the funding plan independently.
Loan Amount:
- From $7,001 USD/EUR or 500,001 KGS/RUB
- Up to $30,000 USD/EUR or 2,000,000 KGS/RUB
Loan Term:
- From 6 months to 36 months
No Fees for Early or Partial Repayment
| KGS, RUB | USD, EUR |
| 22% - 24% | 15% - 20% |
Effective Interest Rate
- KGS: From 22% annually
- USD: From 15% annually
Bakai Bank offers business loans tailored to support various business needs, including:
- Purchasing inventory, fabrics, supplies, and other working capital
- Buying commercial property, equipment, vehicles, furniture, computers, and other fixed assets
- Renovating business premises and equipment
- Refinancing existing loans and private borrowings
- Investing in business expansion and diversification
- Other business purposes (subject to bank approval – consult with a loan specialist)
For more details, speak with a Bakai Bank loan specialist today!
Bakai Bank - A Trusted Partner for Your Business
 |  |  |
| Personalized approach | Fast application processing | Flexible payment schedule tailored to your business needs |
- Monthly annuity payments – Fixed installments covering both principal and interest.
- Equal principal payments – Monthly repayment of equal principal amounts, with interest paid based on actual loan usage.
- Flexible schedule (in certain cases) – Principal and interest payments adjusted based on business seasonality.
- Grace period – Bank-approved deferral on principal repayment for up to 3 months, without a lump sum payment at the end of the term.
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Submit a request for assistance
You can either by sending or by calling us for consulting
- 6111 (from mobile only)
- +996 554 00 61 11 (Whats App)
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Explore other bakai bank loan options
Express loan
Amount
Up to 500,000 KGS, RUB / 7,000 USD, EUR
Collateral security
none
Purpose
business growth
Guarantor
yes
Term
to 24 months
Interest rate
in KGS and RUB from 24%, in USD and EUR from 20%
Small loan
Amount
From 2 000,001 som, rubles/ 30,001 USD, EUR
Collateral
yes
Purpose
business growth
Cosigner
yes
Term
to 60 months
Interest rate
from 19% in KGS, RUB/ from 8% in USD, EUR
The RKDF Loan
Amount
from 1 000 000 US dollars
Collateral
yes
Purpose
for business development
Cosigner
yes
Term
to 60 months
Interest rate
from 5 %