There is no separate application form for a refinancing loan. The client applies for an “Online Business Loan” through sme.pashabank.az or PASHA Bank Business. The system evaluates eligibility, and if the criteria are met, the offer is presented to the client.

No additional documents are required during the application process. Since the client’s application is processed through the online business loan channel, checks are carried out based on the standard documents required for a credit application.

The refinancing loan is currently available only to clients whose loans in other banks have 3 months remaining until maturity.

The client must fully close all business loans and credit lines in other banks that have less than 3 months remaining. Once these obligations are settled, the ACB document is updated within 2 business days, allowing the client to confirm the second refinancing amount.

After receiving the first refinancing loan, the client must close all obligations in other banks within 15 calendar days. Otherwise, the second refinancing application will be declined.

Loan application and issuance are done completely online. The application through digital channels is evaluated by the bank within 1 business day, and the funds are transferred to the current account chosen by the customer.

Click the link to learn about business loan terms and required documents.

To qualify for a business loan, the TIN must have a minimum 12-month operating period and official turnover. The bank provides credit for purposes like increasing working capital and purchasing goods.

Online business loans are available for financing entrepreneurs from 5,000 to 250,000 AZN.

After submitting necessary documents and information online, the bank evaluates the application and provides an offer within 1 working day. Once the customer signs the contract, funds are transferred to their current account.

A sample of the guarantee agreement is attached to the PASHA Bank Business web platform. You can sign the document on paper and send it to the bank by courier or sign using ASAN İmza/SİMA İmza.

When a loan application is rejected, the bank usually states the reason for the rejection. This reason is usually indicated in the response to the customer's inquiry. Reasons can include factors such as credit history and turnover.

There is no requirement to have a card to allocate the loan. The amount allocated by the bank will be transferred to your current account. You can transfer the funds in your account to your business card linked to the TIN using the PASHA Bank Business platform.