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Does your business need support?

We have the best offers for business loans!

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Different offers, different benefits

Quick loan

Up to 10 000

From 24%
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Quick loan

Up to 10 000

  • From 24%
  • Up to 36 months
  • Response within an hour – with one phone call
  • For entrepreneurs
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Unsecured loan

Up to 50 000

From 17%
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Unsecured loan

Up to 50 000

  • From 17%
  • Up to 48 months
  • Grace period up to 9 months
  • Response within one business day
  • For entrepreneurs with business activities
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Maximum support

Up to 100 000

From 16%
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Maximum support

Up to 100 000

  • From 16%
  • Up to 48 months
  • Grace period up to 9 months
  • Response within two business days
  • For entrepreneurs able to provide collateral
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Seasonal loan

Up to 15 000

From 12%
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Seasonal loan

Up to 15 000

  • From 12%
  • Up to 12 months
  • Grace period up to 9 months
  • Response within one business day
  • For agricultural entrepreneurs with irregular income
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myCard Mikro

up to 15 000

From 22%
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myCard Mikro
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Terms & conditions
  • Amount: up to 15 000 AZN
  • Term: 60 months
  • Credit limit: 24 months
  • Grace period: 50 days
  • Annual interest rate: 22 - 24%
  • Commission costs: 1%
  • Cash withdrawal: 0%
  • Card cost: free
Advantages
  • Quick registration process
  • Possibility to use funds as cash and non-cash
  • Ability to repay the payment by credit card without penalty by the 20th of the next month
  • Possibility to obtain new credit limit without re-issuing
  • Refund of a certain part of the spent amount - within the cash-back AccessQazanc program while paying by card
Requirements
  • Sole entrepreneurs engaged in commercial activities

Calculate your loan

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Duration
Total repayment amount
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Why AccessBank?

Microfinancing leader

The country's leading microfinance bank

Simple loan formalization

Flexible documentation process and minimal list of documents

Special offers

Preferential and diverse loan offers meeting market requirements

Additional financial support

Possibility of credit financing by financial funds

International experience

The only bank in the country with shareholders being leading international financial institutions

Micro-loans for the current year


Customer reviews

Ramin Farzaliyev

I have been a small-scale business owner for 15 years. In the initial years of my business activity, I was in need of financial support and AccessBank, a local European bank, stepped in. Thanks to AccessBank, I acquired new equipment and increased the number of services to offer my customers. I would like to recommend small business owners to contact AccessBank when setting up a business. Because this Bank supports small and medium-sized businesses.

Razi Mirzayev

I have been a client of AccessBank for 15 years. Over the years, I have repeatedly taken out a loan from the Bank to improve my small business. I am glad that we have such a good bank in our country, thinking about small entrepreneurs and supporting them.

Elman Eyyubov

Thanks to a loan from AccessBank, I was able to establish my farm. I always turned to this Bank being in need of financial support. Thanks to AccessBank, I have a large farm now. My advice to everyone is to hang on to plans. Take out loans, establish and improve your business.

Adalat Hasanov

Everyone wants to find a reliable partner when starting a business. I chose AccessBank as my partner and it was the best choice. Thanks to the loans provided by AccessBank, I have been developing my business for many years. Highly recommended!

Bahram Huseynzade

I'm engaged in the sale and rent of water filters. I have been working with AccessBank for several years now. It is a very good bank, providing loans in a very short time. I recommend everyone to work with AccessBank.

Ramin Mammadov

I have been selling oxygen tanks for many years, and AccessBank has been supporting my business for 15 years now. When I need a loan, I always turn to AccessBank and proceed to develop my business. I am happy to have such a strong and reliable partner.

Javid Rzayev

I have been working with AccessBank for 14 years. Over the years, I took out loans several times and was always satisfied with the services provided. Hopefully, our cooperation will be permanent. I wish success to AccessBank and its team.

Khazar Rzayev

Thanks to the loan provided by AccessBank, we have purchased new equipment and are developing our furniture business now. The quality of our products is growing with every passing day. We thank AccessBank for this opportunity.

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What is a business loan?

A business loan is financial support that entrepreneurs receive from banks to start a new venture or expand an existing business. If you’re looking to establish or grow your business, AccessBank offers a variety of solutions.

Who is a small business loan suitable for?

These loans are designed for micro and small entrepreneurs, both beginners and existing business owners. If your business activity qualifies as micro or small, micro and small business loans may be the ideal choice for you.

Advantages of business loans:

  • Flexible loan terms for various amounts
  • Opportunity to increase income with initial financial support
  • Short and long-term repayment plans
  • Fast disbursement of loan funds

You can also explore SME (small and medium enterprise) loans for larger businesses.

Documents required to get a business loan:

  • Identification card
  • Taxpayer registration (VOEN)
  • Simple business plan or income declaration
  • In some cases, collateral is required

If you're engaged in agricultural activities, please check out the Agricultural Loans section as well.

How to get a business loan:

  1. Visit the AccessBank website or your nearest branch
  2. Fill out the application form
  3. Submit the required documents
  4. Wait for the bank’s decision
  5. Once the funds are transferred to your account, use them as needed

If you're interested in state-supported business loans, be sure to check the government-backed loan programs.

I want to get a business loan — where do I start?

If you're thinking "I want to get a business loan," the first step is to contact the bank and choose a loan product that fits your needs. The purpose of the loan, the amount, and your repayment capacity will help guide your decision.