Business Loans with Variable Interest Rates

Apply for fast business financing and access up to AMD 50 million or USD 100,000 without collateral. Higher financing limits are available with collateral.

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About Loans Terms & Conditions Additional documents

AMD

US Dollar

Loan amount

Without collateral*:
AMD 10,000,000 - 50,000,000
With collateral:
Starting from AMD 50,000,001

Without collateral*:
USD 30,000 - 100,000
With collateral:
Starting from USD 100,001

*Collateral may be required based on the customer’s creditworthiness.

THE CALCULATION OF THE ANNUAL PERCENTAGE RATE FOR COMMERCIAL LOANS IN FOREIGN CURRENCY IS BASED ON THE RELEVANT AVERAGE EXCHANGE RATE PUBLISHED BY THE CENTRAL BANK OF ARMENIA ON 14/02/2020. THE ANNUAL PERCENTAGE RATE MAY CHANGE DEPENDING ON CHANGES IN THE EXCHANGE RATE PUBLISHED ON THE OFFICIAL WEBSITE OF THE CENTRAL BANK OF ARMENIA.

Term

18 months

Annual nominal interest rate

First 6 months : 11.5%
Starting from the 7th month: 12.5%

First 6 months: 7․9%
Starting from the 7th month: 8.9%

Annual percentage rate

12.71 - 13.32%

8.92 - 9.35%

ATTENTION: FOR LOANS PROVIDED IN FOREIGN CURRENCY, CHANGES IN FOREIGN EXCHANGE RATES MAY AFFECT LOAN REPAYMENTS.

Additional one-time account servicing fee

0.5%

Principal grace period

Up to 6 months

Other terms

In accordance with the Commercial Loan Provision information summary

Campaign period
(loan application acceptance period)

17.07.2026 – 15.10.2026

Interest rate change date

The first 6 months of the loan term are calculated from the date the agreement is signed, and the interest rate is changed 6 months later, on the 10th, the 20th, or the first business day of the following month, depending on the agreement signing date. If the change date falls on a non-business day, the change will be made on the next business day.

Updated as of 17.07.2026 18:24