Online queue service has been temporarily suspended

  • During the pandemic, customers' access to the branch has been limited. For this reason, discrepancies may occur at the times indicated in the online queue.
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No collateral
Decision is based solely on clients financials
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No bank visit needed Entire process from application to money transfer is online
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Without opening an account Get approval without opening an account and without submitting complex financial statements
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From 7 working days The loan is issued after receiving a state guarantee

Get the best terms for your business loan

* Interest rate estimation is for information purposes only

Interest rate
Monthly payment*
Apply

Get a business loan with ease

1
Follow the link e-edf.gov.az and click on the button “Login”
2
Choose Fast Loan in the section “type of loan”
3
Choose PASHA Bank on the step “choose authorized loan agency”
4
Submit an application and receive an email to complete the process
Documents and borrower requirements Loan terms Types of economic activity in the affected areas
Documents

The Bank may require additional documents to review the application

Requirements
Bank statements (minimum last 12 month)

You can generate and download your bank statements in Excel and PDF format in your online bank

ASAN İmza How to get it?
Personal tax statement

You can get it by visiting https://login.e-taxes.gov.az/login/

At least one year in current business
Copy of excerpt from state registry (for legal entities)

The date of issue may be a maximum of 12 months before the date of application for a loan. You can get it by going to your https://e-taxes.gov.az through your account

Regular transactions on bank accounts
Permission to receive credit history on the company and shareholders
Positive credit history
Shareholder's decision to get credit (for legal entities)
Shareholders guarantee (for legal entities)
Business loan purpose
Replenishment of working capital
The issued loan cannot be used to refinance current loans
Currency
AZN
Business loan amount
AZN 10 000 – AZN 200 000
Term length
from 3 to 36 month
Grace period
up to 12 month
Annual interest rate
7.5%
Fee (one time)
0.5% - bank commission
1% - guarantee commission
Credit format
A lump sum of credit is disbursed to a borrower's bank account
Collateral
No collateral
Shareholder guarantee
Loan settlement
Annuity (equal monthly installments)
Grace period at payment of a principal debt
Delay penalty
By adding 15% to the annual interest rate
Loan approval validity
30 days from the day of informing the client about the positive decision via email / sms or another channel
Catering enterprise
Production (excluding food, medicine, tobacco, alcoholic and non-alcoholic drinks, petroleum products)
Activities of sports and recreation facilities
Wholesale and retail trade (except for the sale of food, medicine and petroleum products)
The activities of hotels, motels, hostels and similar accommodation facilities
Activities of the tour operators and travel agents
Car maintenance and repair
Activities of hairdressers, beauty salons
Activities of training (educational) and refresher courses, children's education and development centers, children's clubs, psychological centers
Private educational institutions (including kindergartens)
Domestic freight and passenger transportation (including taxi)
Organization of exhibitions, stage performances, recreation and entertainment (games), activities of cinema, theaters, museums and concert halls
Services for the transportation and (or) delivery of goods, including food orders, food and non-food products

Enjoy the bonuses of using online banking

  • General information about loans
  • Daily tracking of interest accrued
  • Online repayment
  • Detailed credit account statements
Apply
Advantages
Services Icon
No collateral
Decision is based solely on clients financials
Services Icon
No bank visit needed Entire process from application to money transfer is online
Services Icon
Without opening an account Get approval without opening an account and without submitting complex financial statements
Services Icon
Within 2 working days The loan is issued on the day the customer accepts the bank's offer

Get the best terms for your business loan

* Interest rate estimation is for information purposes only

Interest rate
Monthly payment*
Apply

Get a business loan with ease

1
Fill the application
2
Submit the required documents
3
Apply and get decision within 2 working days
4
E-sign the agreement and get your money on the same day
Documents and borrower requirements Loan terms
Documents

The Bank may require additional documents to review the application

Requirements
Bank statements (minimum last 12 month)

You can generate and download your bank statements in Excel and PDF format in your online bank

ASAN İmza How to get it?
Personal tax statement

You can get it by visiting
https://login.e-taxes.gov.az/login/

At least one year in business
Permission to receive credit history on the company and shareholders
Regular transactions on bank accounts
Shareholder's decision to get credit (for legal entities)
Positive credit history
Copy of excerpt from state registry (for legal entities)

The date of issue may be a maximum of 12 months before the date of application for a loan. You can get it by going to your https://e-taxes.gov.az through your account

Shareholders guarantee (for legal entities)
Business loan purpose
Any business purposes
Currency
AZN
Business loan amount
AZN 10 000 – AZN 250 000
Term length
from 3 to 18 month
Annual interest rate
16.5-19%
Fee (one time)
2% from the amount of loan
Credit format
A lump sum of credit is disbursed to a borrower's bank account
Collateral
No collateral

Collateral may be required at the discretion of the bank in case the financials provided are not sufficient to make a decision


Shareholder guarantee
Loan settlement
Annuity (equal monthly installments)
Prepayment penalty
If more than 3 (three) times of the principal part of the principal is paid in accordance with the schedule before the due date, a penalty of 5% (five) percent of the excess amount shall be imposed
Delay penalty
By adding 15% to the annual interest rate
Loan approval validity
14 days from the day of informing the client about the positive decision via email / sms or another channel

Application

Do you have ASAN İmza for a legal entity or an individual entrepreneur?

How many consecutive monthly turnovers are there on your business bank accounts?

Enjoy the bonuses of using online banking

  • General information about loans
  • Daily tracking of interest accrued
  • Online repayment
  • Detailed credit account statements
Apply
Advantages

Any question?

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