Loans to legal entities
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- Business loan
- Micro business loan
- Revolving credit line
- Small and medium business lending
- Lending to small and medium enterprises, Partner
- Non-repayable credit line
- Account lending
- GAF- Loan terms provided within the framework of program “Energy Efficiency for SMEs
- Simple business loan (without assessment)
- Simple business loan (with simplified assessment)
- Economic Modernization Measure (effective till December 31, 2023)
- Loans terms provided within the framework of the “European Investment Bank” program
- Loans provided within the framework of the Renewable Energy and Energy Saving
- Bank guarantees
- Factoring financing
- Terms of payroll projects
- Loans for Small and Medium-Sized Businesses “Liquid+”
- Lease
- Combined credit line terms in the framework of payroll projects
GAF- Loan terms provided within the framework of program “Energy Efficiency for SMEs
Currency |
AMD |
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Borrowers |
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Purpose |
Purchase of energy efficient equipment and machines, construction of infrastructure and other projects for which renewable energy resource is used:
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Limit
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Without pledge |
AMD 1,000,000-5,000,000 (with guarantee of at least one physical individual or legal entity) |
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With pledge |
AMD 5,000,001– 500,000,000 |
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Provision method |
Non-cash |
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Repayment period |
Up to 5 years |
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Annual nominal interest rate |
For loans with amount of AMD 1,000,000 – 5,000,000 |
10 % |
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For loans with amount of AMD 5,000,001 – 20,000,000 |
9.5 % |
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For loans with amount of AMD 20,000,001– 500,000,000 |
9 % |
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Security |
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Loan to value ratio acceptable limits |
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Insurance |
Upon need |
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Requirements for the guarantors |
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Fees |
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State duties and other fees |
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Other terms |
Energy audit is mandatory
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