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For development of your business Xalq Bank offers business loans starting from 10% per annum for up to 6 years.

With Xalq Bank’s business loans you will not face time constraints and will have an opportunity to conveniently expand your business on a long-term basis!

Business loans taken from Xalq Bank will provide you with the following advantages:

  • Revolving credit line, it is possible to re-use loan funds after the early repayment;
  • Non-revolving credit line (as a tranche)- an option of taking a loan in tranches and accrual of interests only to used amount;
  • Grace period for up to 12 months;
  • Long term loan - up to 6 years.

We offer you  loan tranches! For example, if you get a loan for 100 000 manat and used only a  part of the amount, the interest on the loan will be calculated only on the used amount.

Another advantage of business loan is a grace period availability! If you take a loan to increase working assets, the grace period is up to 6 months; to acquire fixed assets - up to 12 months from the date of issuing of the loan.

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Guarantee of individual

Personal estate

Real estate


2 000-
10 000 AZN

2 000-
30 000 AZN

2 000-
100 000 AZN

100 000-
500 000 USD

More than

500 000 AZN

Term (months)






Annual interest rate

12 - 19%

12 - 19%

                          12 - 19%


Service fee

0.2% of loan amount
(min. 20 AZN, max. 1 000 AZN)


According to the schedule provided by the Bank 

Penalty for delayed repayment 

For each delayed day 15% is added to the fixed annual rate  



Business loans in the regions have following conditions:



İnterest rate

    Amount AZN (max.)

Business loan issued by Bank Xalq OJSC


10 - 15

10 000

Business loan issued by Bank Xalq OJSC


Personal property

10 - 15

30 000

Business loan issued by Bank Xalq OJSC

Real Property

10 - 15

It is determined as a result of the borrower's financial analysis.

Requirements to Borrower and Guarantee:


Legal entity


Period if entrepreneurship

min. 12 months

min. 6 months



23 - 65 for women

23 - 65 for men;

Financial status of business

Positive result of financial analysis

Other demands

Positive credit history


Please follow this link to view list of documents required for taking business loans.


To make decision about the issuance of the loan the Bank has right to request additional information, as well as the documents necessary for the confirmation of submitted information.




Do you want to get a loan?

Loan amount

15 Months

15 %

Can i get a loan?


15 Months

15 %

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Dear customer, you are eligible to apply for the loan. For more information please visit our branches.
Dear customer, you can not eligible to apply for the loan with current conditions. For more information please visit our branches.