Factoring

Increase working capital

and improve the stability of your company's operations
Interest Rate from 8,5% (AEIR 8,9% - 35%)

Apply

Dear Business Customers,

Please be informed that the amendments to the Tax Code took effect on 1 January 2026 in Kazakhstan, according to which factoring transactions are also subject to VAT.

The Bank fees for the Factoring product are indicated inclusive of VAT. The Bank keeps providing favorable service terms for its business customers.

With effect from 01 January 2026, an interest rate on the Factoring product is subject to VAT, with the VAT rate to be applied to the interest rate. 

In the event of any additional changes to the tariffs and/or banking service terms, the Bank will notify thereof in the manner and within the timeframe established by the laws of the Republic of Kazakhstan.

Thank you for your cooperation!

What is factoring?

A set of financial services for suppliers and debtors working on the deferred payment terms under a Contract.

With factoring, an entrepreneur receives money for goods immediately after shipment, can eliminate cash gaps and replenish working capital.

Benefits

Preferential rates

Use the opportunity to participate in the state programs

Funding amount

Up to 90% of the transaction value

Financing period

Line tenor – up to 36 months

Tranche tenor – up to 180 days

Quick and profitable

Increase working capital online and without collateral

Financing instrument	Revolving line
Currency	KZT, USD, EUR
Line tenor	Up to 36 months
Tranche tenor	Not more than 180 days
Application processing period	5 to 14 days

Principal	At the end of the term/upon payment of receivables
Interest	At the end of the term
Early repayment	Allowed

Interest rate	from 8,5% AEIR – 8,9% - 35% p.a.
Line arrangement fee:	0.25% - 1% of the line amount
Tranche disbursement fee:	0–6% of the Tranche amount
For documents processing (invoice, delivery note)	0–KZT 5,000
AEIR Calculation

Сalculate the loan

Loan Amount

Loan term

Interest rate

Результаты расчёта

AEIR Calculation

For JSC

Скачать

For LLP

Скачать

For IE

Download

Оставьте заявку

Company name

IIN/BIN

Phone Number**

Email*

Requested loan amount

Loan term

I confirm my consent to the collection and processing of data, including the report from LLP 'First Bureau' and the State Database of Legal Entitites

I agree to the collection and processing of personal data

You may be interested in

Cash Loan

Loan for what really matters

https://www.bcc.kz/en/business/loans/business-credit/

Business-Credit

Invest in your achievements