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Home > Businesses > Business Loans

Business Loans

You can access the following services depending on the specific needs and type of your business:

  • Business loans with a standard repayment plan – identical monthly loan instalments

  • Business loans with a grace period – no instalments for six months after the loan has been issued, or instalments of accrued interest only. Identical monthly instalments are payable after the grace period has expired

  • Business loans with a seasonal payment plan – individual instalments tailored to your business needs

Business loans can be used for the following purposes:

  • Working capital – increase stock, expand your range of goods, settle liabilities to suppliers, etc.

  • Fixed assets – purchase/repair machinery and equipment, etc.

  • Real estate – purchase/build business premises, purchase land

  • Other business needs – investments in business development and sustainability

The maturity of business loans depends on their intended use:

Working capital - 36 months

Fixed assets - 60 months

Real estate - 180 months

Currency - GEL/USD/EUR

Annual interest rate: To be determined on a case-by-case basis



Agro Credit
Can be used for Working capital, Fixed assets, Real estate and Other business needs

Floating Loans
Business loans with a floating interest rate can be issued in GEL or USD

Credit line
A credit line is a credit facility where only the monthly accrued interest is paid during the term of the credit line

Business overdraft
A business overdraft is a loan facility intended to provide short-term liquidity

Short-term business loan
A short-term business loan is helpful for one-off transactions/investments or for the start-up of new business lines.

Credit limits
Creditworthiness is the maximum amount which you can obtain from the bank based on the solvency of your business.

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