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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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Visa Infinite жана Visa Signature карталары үчүн «Манас» VIP-залына кирүү кызматынын жаңы шарттары
2026-жылдын 19-январынан тартып Visa Infinite жана Visa Signature карталары менен «Манас» Эл аралык аэропортунун VIP-залына кирүү үчүн карта боюнча минималдуу айланымдын аткарылышы талап кылынат:
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Promotion! SWIFT transfers have become even more accessible at KICB
KICB announces a reduction of commissions on SWIFT transfers in US dollars via Citibank (USA) - one of the largest and most reliable international correspondent banks. Transfer US dollars to any part of the world at reduced tariffs
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Non-working day in USA
Please take into account that January 19, 2026- is non-working day in USA.
Value date for payments in USD – January 20, 2026.

