National Project on Entrepreneurship Development for 2021-2025

Participants

Small business entities, including micro-entrepreneurs

Sectors

No sectorial restrictions, except for:
1) the activities of pawns offices, microfinance and factoring organizations,
2) the sphere of trade (the ban does not apply to small entities, including micro-entrepreneurship entities, implementing projects in mono and small towns, rural settlements), while trade in food products is allowed

Maximum loan amount

for investments – no more than 20 million KZT, for replenishment of working capital – no more than 5 million KZT

Loan subsidy amount

The basic rate of NBRK + 7%, of which 15,75% is subsidized by the state, and the difference is paid by the entrepreneur.

For projects implemented in mono and small towns, rural settlements, the Basic rate of NBRK +7%, of which 16,75% is subsidized by the state, and the difference is paid by the entrepreneur.

Loan term

Investments – 3 (three) years without the right to prolong the subsidy period. Replenishment of the working capital – 2 years without the right to prolong the subsidy period.

Guarantee size

Up to 85% of the loan

Guarantee term

Up to loan term

Participants

• Small and medium-sized business entities;
• Entrepreneurs/entities of industrial-innovation activity, implementing and (or) planning to implement their own and effective projects in the priority sectors of the economy *.

Projects implemented in settlements, including mono and small towns, rural settlements, except for the cities of republican significance/regional centers – without sectorial restrictions.

Sectors

No sectorial restrictions – for projects in settlements, including mono and small towns, rural settlements, except for the cities of republican significance/regional centers- taking into account the place of sale and the place of registration of the entrepreneur.

When implementing projects according to the list of priority sectors of the economy* in settlements, including mono- and small towns, rural settlements, with the exception of cities of republican significance/ regional centers, without consideration of the place of entrepreneur’s registration.

Maximum loan amount

• Not more than 3 billion KZT;
• Not exceeding KZT 1.5 bln for projects in settlements, including mono- and small towns, rural settlements, with the exception of cities of republican significance/regional centers;
• Not exceeding KZT 3.0 bln for the projects according to the list of priority sectors of the economy* in settlements, including mono- and small towns, rural settlements, with the exception of cities of republican significance/ regional centers.

Subsidy amount

• the basic rate of NBRK + 5%, of which 13,75% is subsidized by the state, and the difference is paid by the entrepreneur.
• NBRK base rate +5%, of which 14,75% is subsidized by the state, and the difference is paid by the entrepreneur – for entrepreneurs with projects in the manufacturing industries, according to the List 1**, and implementing projects in the city of Shymkent, and within Turkestan, Mangistau, Atyrau, Aktobe, West Kazakhstan, Kyzylorda and Zhambyl regions, including in the regional centers of these areas. 

Loan term

• Investments – 5 (five) years without the right to prolong the subsidy period;
• Replenishment of working capital – three years without the right to prolong the subsidy period.

Refinancing

Loans with a term not exceeding 2 years from the date of issue of the first loan

Maximum guarantee amount

Up to 85% of the loan

Maximum loan amount

1 billion KZT

Maximum guarantee period

no longer than the loan term

Own participation in the project under loans over 500 million KZT

at a level not lower than 10% of the total cost of the project implementation of own funds (money, movable/immovable property), including the property of third parties.