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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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Buy gifts for International Women’s Day – March 8 with discounts!
In celebration of International Women’s Day, KICB has prepared a special offer for KICB cardholders.
From March 1 to March 8, 2026, pay for purchases and services with KICB cards at partner outlets and receive discounts of up to 25% off the purchase amount. -
Attention! Scammers!
Recently, there has been an increase in fraudulent schemes on social media and messaging apps. Scammers are actively using a method known as “Send 100 – Get 200” to exploit people’s desire to earn money quickly.
Typically, a potential victim sees an attractive advertisement on Telegram or Instagram promising quick profits. Scammers present themselves as “experts” in cryptocurrency, betting, or investments, claiming they are testing a new earning scheme and looking for participants to “rotate funds.” -
KICB Green Loan KYRSEFF Helps Implement Energy-Efficient Solutions
KICB offers the Green Loan KYRSEFF - a convenient financial instrument for individuals and entrepreneurs who want to improve the energy efficiency of their homes or businesses while reducing expenses.

