Working with AccessBank is easier than you think! AccessBank is committed to providing funds to small and medium-sized entrepreneurs.

Are you eligible?

All private entrepreneurs, regardless of their legal or financial situation, are eligible for business loans through AccessBank. We only exclude illegal or environmentally hazardous activities, gambling, and the production of alcoholic beverages and tobacco products.
Although our average loan size is 3,000 USD, loans can be as small as 100 and as large as 500,000 USD/AZN/EUR. Every month AccessBank makes loans to around 4,000 businesses in Azerbaijan!

Why borrow from AccessBank?
- Simple procedures;
- Quick application processing - decisions are made within three days;
- Few documentation requirements (e.g. no business plan required);
- No extra costs (e.g. fees for account opening);
- Fair collateral requirements;
- Amount and term of loan adapted to each business’s need;
- Long-term partnership with continually improving loan conditions;

How can I apply for a loan?
- Call or visit any AccessBank branch;
- Discuss the conditions of the loan and details of your business with your personal loan officer;
- Your loan officer will visit your place of business and assess the strengths and weaknesses of the business;
- Your loan officer will prepare a loan proposal;
- AccessBank's Credit Committee will make a quick decision on your loan proposal – committees meet daily;
- You will receive a loan decision within three days;

Our main requirement is that you agree to provide full information on your current and planned business activities.

You can choose between three types of business loans currently offered by AccessBank:
Micro Loans (up to USD 10,000), Small Loans (up to USD 500,000) or Agroloans.

Micro Loans
- Amount: 100 - 10,000 USD (or equivalent in AZN);
- Maturity: for turnover assets, up to 12 months; for fixed assets, up to 30 months;
- Interest Rate: 2.5 - 3.0 % per month;
- Disbursement Fee: approx. 1%;
- Collateral: a combination of real estate, vehicles, home equipment, stock, and guarantors (for loans up to 5,000 USD, no real estate or cars are required);
- Repayment: equal monthly, bi-weekly or weekly installments (interest is paid only on the remaining balance).

Small Loans
- Amount: up to 500,000 USD (or equivalent in AZN). Higher amounts possible in individual cases;
- Maturity: for working capital, up to 18 months; for fixed assets, up to 36 months;
- Interest Rate: 1.3 - 2.5 % per month;
- Disbursement Fee: 1%;
- Collateral: a combination of real estate, vehicles, home equipment, stock and guarantors;
- Repayment: equal monthly, bi-weekly or weekly installments (interest is paid only on the remaining balance).
Note: The terms of small loans based upon a risk assessment of the borrower’s credit value conducted by AccessBank.

Credit Lines
For its best clients, AccessBank offers long-term credit lines under which several consecutive or parallel loans may be disbursed. As all collateral is registered under the credit line rather than the individual loan agreements, this greatly reduces the costs for repeat credits. On top of that, the possibility of taking more than one loan at the same time allows clients to match the credit amount with their liquidity needs. Your loan officer will explain the conditions and benefits of a credit line.

Agroloans
In August 2007, AccessBank developed a new product for farmers and farming establishments as well as entrepreneurs who are involved in the agricultural sector. This program, which was developed by experienced banking specialists, consists of agroloans and agrodeposits that help to develop agricultural trade while increasing profit for entrepreneurs in the agricultural sector.
AccessBank’s main agro product is an agroloan with special payment conditions (including the term) and a monthly interest rate of 3%. Along with a 12-month grace repayment period and a convenient repayment schedule, it is also possible to receive this agroloan in tranches. AccessBank’s main goal with this product is to create financial opportunities for customers in the agricultural sector. This project is implemented through technical support from the German KfW Development Bank.