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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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Change of tariffs on cash and settlement services from 09.07.2025
We inform you that Terms&Conditions for SWIFT payments in US dollars and Terms&Conditions for cancellation of clearing payments will be changed.
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KICB successfully issued and placed KGS 1.3 Billion Sustainability Bonds with IFC
Kyrgyz Investment and Credit Bank (KICB) successfully placed Sustainability Bonds in the amount of 1.3 billion soms. All bonds were fully subscribed by the International Finance Corporation (IFC), a member of the World Bank Group.
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Notification of technical work on the part of JSC «IPC»
We hereby inform you that on the night of June 25th, 2025 from 01:00 a.m. to 03:00 a.m. technical works on the part of JSC «IPC» will be carried out. During the above-mentioned period ELCARD / VISA / UPI / MasterCard cards, QR payments and all peripheral devices will not be available.