Business loan
Working capital and growth financing for small and medium businesses.
I want to borrow:
You pay:
548.88₼
monthly for 24 months at 28% a year
- Total repayment
- 13,173 ₼
- Total interest
- 3,173 ₼
- APR
- ≈ 33.3%
Commission: 1–3%. This is an estimate. Final terms are set after your application is reviewed.
Key terms
- Amount
- 100 – 100,000 ₼
- Term
- 12–36 months
- Annual rate
- 28–40%
- APR
- ≈ from 32.8%
- Commission
- 1–3%
- Age
- 22–60 years
Effective annual rate — the real yearly cost of the loan including the commission.
The Finex Kredit business loan is designed for the growth and working-capital needs of small and medium businesses. If you need money to build up stock, buy equipment, refurbish an outlet or open a new branch, this loan is for you. We have worked with entrepreneurs in Baku and the regions since 2013 and understand what businesses really need.
Who it’s for
- sole traders and small companies;
- businesses in retail, services and production;
- entrepreneurs who need seasonal working capital;
- anyone planning to expand.
Key terms
- Amount: AZN 100 to AZN 100,000
- Term: 12 to 36 months
- Annual rate: 28–40%
- Commission: 1–3%
- Age: 22–60
- Repayment: annuity — equal monthly payments
How to apply
- 1Choose the amount, term and rate in the calculator — you’ll see the monthly payment and FİFD instantly.
- 2Click “Apply now” and fill in the online form. Your ID card details are enough.
- 3A specialist will contact you within 24 hours to confirm the terms and documents.
- 4You sign the agreement at a branch and receive the funds on the agreed terms.
You can check your application at any time on the “My application” page.
What affects the final rate
The calculator gives an estimate. The final rate is set after your application is reviewed and may generally depend on:
- the loan amount and term;
- how long the business has been trading and how stable its income is;
- credit history;
- the security offered.
Payment example
AZN 10,000 over 24 months at 28% a year comes to an annuity payment of about AZN 548.88. AZN 30,000 over 36 months at the same rate comes to about AZN 1,240.91 a month. Try your own numbers in the calculator.
About FİFD
A 1–3% commission applies. It doesn’t change the monthly payment but it does raise the loan’s real cost, which is what FİFD — the effective annual rate — shows. The calculator includes the commission in FİFD; the exact figure is stated in your agreement.
Why Finex Kredit
- operating since 2013 under Central Bank licence No. 14;
- head office in Baku and branches in the regions;
- transparent reporting, with RSM as our official external auditor;
- online applications and a reply within 24 hours.
How to keep the cost down
- Choose the shortest term whose payment still feels comfortable — the shorter the term, the less interest you pay.
- Borrow only what you really need.
- Pay on time — it also strengthens your credit history for future applications.
- When you can, repay part of the loan early: interest is charged on the outstanding balance, so your costs fall. Check the terms before signing.
- When comparing offers, look at FİFD rather than the headline rate.
Our branches
You can apply online or visit any Finex Kredit branch. Our head office is at the Chinar Park Business Center in Baku. In the regions, our branches in Sumgait, Gabala, Shamkir, Masalli and Goranboy are open on weekdays from 09:00 to 18:00. See addresses and the map on the “Branches” page.
Questions? Call +994 12 311 41 45 or write to us through the contact form on the website.
Need a loan?
Estimate your payment and apply online in 2 minutes.
Business loan: faq
Didn’t find your answer? Call or write to us.
Your ID card details are enough to apply online. Additional business documents may be needed to arrange the loan — a specialist will give you the exact list on the phone.