Business & Agro Loan
Starting a new business or expanding an existing one?
Easily access the loan funds you need - fast and hassle-free. Get approved within just 1 day, with terms tailored to your business needs.
- Get approved for up to 200,000 GEL in 1 day
- Flexible collateral options
- Repayment schedule customized for your business
Up to 200,000 GEL
Get the additional capital you need to grow your business or refinance existing obligations.
Flexible Terms
Choose from tailored financing options with or without collateral. Secure your loan with a car or real estate to access customized Business and Agro loan offers.
In just 1 day
Fast-track your business goals. Our accelerated process ensures you get the loan funds you need quickly and efficiently.
Grace period of up to 11 Months
We actively support agricultural development. That’s why agro loan repayments can start as late as the 12th month.
SwissCapital Advantage
Trustful and Professional
Your reliable financial partner, backed by years of experience and a commitment to the highest standards of service.
Personalized Solutions
We offer customized financial services designed to meet your individual needs.
Simple and Accessible
SwissCapital's wide range of services and user-friendly digital features help you overcome financial challenges quickly and with ease.
How to get Business & Agro Loan?
Via the Scapp Mobile App
Receive a loan offer without visiting a branch – simply download the app and apply in seconds.
Via submission
Complete a simple and quick online form.
Visit a Branch
Stop by your nearest Swiss Capital branch to apply in person.
Phone Assistance
Call us at 032 2 300 300 for support.
Frequently Asked Questions
What is business loan?
The Business Loan from Swiss Capital is designed to serve as an additional resource for your business growth or to help you refinance existing liabilities. With Swiss Capital’s Business Loan, you can benefit from a grace period and repay the borrowed amount through a flexible repayment schedule.
Who can take the business loan offered by Swiss Capital?
The business loan is accessible for individuals as well as legal entities who hold micro and small businesses. The minimum business experience period is 3 months.
How long will it take to process the loan application?
You will be able to get the approved amount in 1 day. In case you are applying for a Fast Business and Agro loan, or Business loan for Taxi drivers, you will receive the loan in 1 hour.
What is the maturity of the business loan?
You can choose loan term between 3 and 120 months, depending on the loan purpose and loan amount.
Have more questions?
See the full list of FAQs.
Important Terms of Business & Agro Loan
| Interest Rate Type | Fixed |
|---|---|
| Annual Interest Rate | 18%-36% |
| Effective Annual Interest Rate | 20%-47% |
| Issuance commission | 0.5 %- 2% of the loan amount |
| The total amount and period of a loan | 500-200 000 Lari, 3-120 months. |
| Early Repayment Commission | 2% - of the repaid amount, if the remaining period is more than 24 months 1% - if 12-24 months remain 0.5% - if 6-12 months remain 0% - if up to 6 months remain |
| Overdue Penalty | 0.27% of the residual loan principal for every overdue day. In addition, from the beginning of the overdue period until its complete elimination, the imposition of mass expenses (including %) of this period is stopped after their total amount reaches 1.5 times the amount of the current residual translation amount. |
