Business Loans

Partnership with AccessBank is easier than you think!
AccessBank is committed to providing funds to small and medium-sized entrepreneurs.
Need a loan?
AccessBank provides loans as small as 100 and as large as 3,000,000 USD/AZN/EUR. Every month AccessBank disburses loans to approximately 7,000 businesses in Azerbaijan!

Why borrow from AccessBank?
• Simple procedures; 
• Quick application processing;
• 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 conform to each business’s need;
• Long-termpartnership with continually improving loan conditions;

 


How can I apply for an AccessBank 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 and prepare a loan proposal;
• You will receive a loan decision within three days.

Our main requirement is to provide complete information on your current and planned business activities. Today AccessBank offers several types of business loans.


 


Micro Loans
• Amount: 100 - 20,000 USD or equivalent sum in AZN;
• Maturity: up to 36 months;
• Interest Rate: 2.25% - 2.75% per month (for loans in USD or AZN);
• Disbursement Fee: 1% - 2%;
• Collateral: a real estate, vehicles, home equipment, stock, and guarantors;
• Repayment: monthly or bi-weekly by equal installments (interest is paid only on the remaining balance).


Small Loans
• Amount: up to 3,000,000 USD or equivalent sum in AZN. Higher amounts are possible in individual cases;
• Maturity: up to 60 months;
• Interest Rate: 1.5% - 2.5% per month;
• Disbursement Fee: 1%;
• Collateral: real estate, vehicles, home equipment, stock and guarantors;
• Repayment: monthly or bi-weekly by equal installments (interest is paid only on the remaining balance).


Credit Lines
For its best clients, AccessBank offers long-term credit lines under which several consecutive or parallel loans with different conditions may be disbursed. Credit lines pave the way for long-term partnership between bank and customer. Your loan officer will provide detailed explanation of the conditions and benefits of a credit line.
Agroloans
AccessBank offers Agroloans to clients engaged directly in agriculture or in peripheral activities. This product is dedicated to the needs of Agricultural clients and has repayment schedules to match income flows:
• Amount: 100 - 20,000 USD or equivalent sum in AZN;
• Maturity: up to 36 months;
• Interest Rate: 2.25% - 2.75% per month (for loans in AZN or USD);
• Disbursement Fee: 1% - 2%;
• Collateral: real estate, vehicles, home equipment, stock, and guarantors;
• Repayment: monthly or bi-weekly by equal installments (interest is paid only on the remaining balance);
• Tranches and Grace Periods are available.