Business plan for a bank: a business loan in Kazakhstan
The document a second-tier bank’s credit committee decides on: a financial model for the loan term, sources of repayment, collateral and market. Prepared to the specific bank’s requirements and defended before the committee.
The first review of your project is free and without obligation. We reply in working hours and tell you where to apply and whether you are in time.
Apex Consulting is a consulting firm in Astana, working since 2017. We have prepared 2,137 business plans for 535 clients; our clients have raised $1.7 billion in financing. Payment: 70% after the brief is agreed, 30% after the committee approves the project. Revisions after expert comments are free for three months. We defend the project before the committee together with the client. From ₸350,000, from 3 working days.
When a bank needs a business plan
Banks issue unsecured express loans by scoring account turnover: Halyk Bank decides on a business loan up to ₸300 million in 10 minutes, Bereke Bank gives sole proprietors up to ₸15 million online, ForteBank up to ₸10 million in 3 minutes with 6 months of account history. Nobody reads a business plan there.
The document matters when the amount exceeds the express limits, when the loan is for investment, secured by collateral, or goes through a state programme via the DAMU fund. Then the bank assesses the project, not just the account history, and asks for a business plan with a financial model, financial statements and collateral documents.
What the credit committee checks
Terms differ between banks, but the logic of the check is the same. Bereke Bank, for example, requires collateral to cover at least 90% of the obligations and accepts real estate, cash, movable property and DAMU guarantees. The rest is judged from the document.
- Financial statements and turnover for recent periods, tax arrears and overdue payments at any bank or microfinance organisation.
- Collateral: type, valuation, coverage of the loan amount with interest.
- Sources of repayment: what pays the debt if revenue comes in below plan.
- Market and sales: who you sell to, whether there are contracts or confirmed demand.
- Financial model for the whole loan term: revenue, costs, cash flow, debt-service headroom.
What the business plan must contain
The bank reads the document as a credit analyst, not as an investor: what matters is repayment, not the idea. So the structure is always the same; the content changes to fit the specific bank’s requirements.
- Project summary: amount, term, purpose of the loan and source of repayment in three sentences.
- Description of the business and the team’s experience, backed by documents.
- Market: size, competitors, prices, the share you can realistically take.
- Production or operating plan: capacity, suppliers, equipment quotes.
- Financial model: at least for the loan term, monthly for the first year, with base and stress scenarios.
- Risks and how they are covered, including collateral and insurance.
- Appendices: statements, quotes, letters of intent, collateral documents.
Why banks refuse
From our projects and the banks’ public explanations, refusals come down to five reasons. Four of them are visible in the document before submission, and we close them during preparation.
- Overdue payments, tax arrears or account restrictions for the company or its founders.
- Collateral does not cover the loan amount or is valued below expectations.
- The sales plan is backed by nothing but words: no contracts, orders or sales history.
- Figures contradict each other across sections: capacity does not match revenue, costs do not match headcount.
- Cash flow is not enough to service the debt in the stress scenario.
DAMU subsidies and guarantees through the bank
If the project meets the DAMU fund’s criteria, the same business plan also unlocks preferential terms: an interest subsidy for micro and small business on loans up to ₸200 million, a fund guarantee of up to 85% of the loan when collateral is short, and preferential lending at 12.6% through partner banks. The application goes to the bank, the bank forwards the documents to the fund’s regional branch, and the fund reviews them within 5 working days. See the page on business plans for DAMU.
How we work
First a free review: we look at the project, turnover and collateral and tell you which bank and programme to apply to and whether you are in time. Then we agree the brief and structure to the chosen bank’s requirements, 70% payment. The finished business plan and model are delivered in editable form. When the bank sends comments, we answer them ourselves and, if needed, join you at the credit committee. 30% is paid after approval.
What you get
- Business plan in the bank’s structure, 30–60 pages, in Word and PDF.
- Financial model in Excel with formulas, scenarios and repayment schedule.
- Appendix pack: collateral coverage calculation, summary of quotes, letters of intent based on your data.
- Answers to the credit analyst’s comments and preparation for the credit committee.
From ₸350,000, from 3 working days. Payment: 70% after the brief is agreed, 30% after the committee approves the project. Revisions after expert comments are free for three months; we defend the project with you.
Questions and answers
- How much does a business plan for a bank cost?
- From ₸350,000, from 3 working days. The exact price depends on the loan amount, industry and the bank’s requirements; we name it after a free review of the project.
- Do I need a business plan for a loan under ₸100 million?
- For unsecured express loans usually not: the bank decides on turnover. For secured, investment and programme loans you do, regardless of the amount.
- Do you talk to the bank yourselves?
- Yes. We prepare the answers to the credit analyst’s comments and defend the project before the committee together with you.
- What if the bank refuses?
- You pay 30% only after approval. Revisions after expert comments are free for three months, including when applying to another bank.
- Which banks have your clients applied to?
- Second-tier banks in Kazakhstan, including under DAMU programmes. Clients have raised $1.7 billion in financing since 2017.
Cases
Private medical centre
Loan for the building and equipment. Revisions to the bank’s comments until approval. Amount: $1.6 mln
Corrugated packaging plant
Development fund leasing: 3%, 20 years. Plan reconciled with accounts and debt. Amount: $1.1 mln
Fish farm
10-year loan from a development corporation. Plan built to the lender’s checklist. Amount: $1 mln
Sources
Programme terms change. Checked on 14 October 2026. Verify with the primary source before applying:
The first review of your project is free and without obligation. We reply in working hours and tell you where to apply and whether you are in time.