Large, Small and Medium, Micro loans

Annual nominal interest rate of the loan, starting from 13% for loans in AMD, and starting from 11% for loans in USD.

Loans are provided for a minimum period of 12 and a maximum period of 36 months, for acquisition of working capital and for the period of 60 months for acquisition of fixed assets.

The objective of the loan can be acquisition of working capital, financing of accounts payable, acquisition of fixed assets.

You can find out the details on the Bank’s website, and in case of questions you need to visit any branch of the Bank or call the Bank's call center at (+37410) 593333, (+37460) 273333.

The loans are provided in Armenian drams and US dollars.

the minimum term of continuous business activity for Micro loans is 6 months, while for Small and Medium and Large loans it is 12 months.

Negative factors of loan refusal are bad credit history, insufficient financial condition, non-compliance of the collateral with the requirements of the Bank, provision of false or unreliable information, provision of such information that causes doubt on the repayment of the loan, and other factors.

Positive factors affecting decision to provide a loan are a good credit history, stable financial flows, compliance of the collateral with the requirements of the Bank, good reputation and other factors.

The minimum loan amount is 5,000,000 (five million) AMD or 10,000 (ten thousand) USD, and the maximum loan amount is subject to the terms of internal regulations of the Bank.

The minimum loan amount is 5,000,000 (five million) AMD or 10,000 (ten thousand) USD, and the maximum loan amount is 25,000,000 (twenty five million) AMD or 50,000 (fifty thousand) USD. By the decision of the competent body of the bank, an amount lower than the mentioned minimum amount or more than the maximum amount may be provided according to the conditions.

The minimum loan amount is 5,000,000 (five million) AMD or 10,000 (ten thousand) USD, and the maximum loan amount is 250,000,000 (two hundred fifty million) AMD or 500,000 (hive hundred thousand) USD. By the decision of the competent body of the bank, an amount lower than the mentioned minimum amount or more than the maximum amount may be provided according to the conditions.

Annual nominal interest rate of the loan, starting from 10% for loans in AMD, and starting from 7% for loans in USD.

Annual nominal interest rate of the loan, starting from 10․5% for loans in AMD, and starting from 8% for loans in USD.

There is no loan application processing and monthly service fee, and upfront fee is 0.5-1% of the loan amount, but not less than 50,000 (fifty thousand) AMD.

Customers can be RA resident /non-resident legal entities, individual entrepreneurs, and RA resident/non-resident individuals engaged in agriculture.