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from KGS 200000
or equivalent in USD
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KGS
from 20*%
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USD
from 12*%
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Up to KGS 500,000 or equivalent in USD
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For individual entrepreneurs, legal entities with a current business loan secured by real estate
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Loan repayment term: no later than the maturity date of the main loan secured by real estate, but not exceeding 36 months
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Purpose: to replenish working capital and for investments, including refinancing of business loans in other banks
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Collateral: movable property, including inventory (goods and materials), and spousal guarantee. If there is no spouse – a guarantee from a third party with confirmed income
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Interest rates: KGS – 20%, USD – 12%
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Effective interest rate: from 22.3% in KGS, from 12.9% in USD

Loan Application
Other products
News
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New Year promotion from KICB: bonuses and affordable loans!
Celebrate the New Year with gifts!
Share your referral link from the KICB mobile app, and for every friend, relative, or colleague who downloads the app using your link, you receive 100 KGS. -
Special offer! KICB's New Year's promotion!
To participate the promotion, simply share your referral link in the KICB mobile app with friends, family, and relatives and receive KGS 100 for each person who downloads the app.
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Change of tariffs on cash and settlement services from 18.12.2025
KICB informs you that starting from December 12th, 2025, new Terms&Conditions for banking services for legal entities, individuals and private entrepreneurs will come into force.

