Welcome to PASHA Bank

Online business loan

For all business

From 12%
Up to 250 000 AZN
Without collateral


Easy to get

Without complex financial statements submitting

Fully online

From applying to issuing a loan

Without opening an account

Get the decision without opening an account

In 1 working day

The loan is issued on the day the customer accepts the bank's offer

Business loan calculator

Monthly payment*


Annual interest rate*


*The calculated result is for informational purposes only

Getting a business loan is simple

Fill out the application form and upload the required documents
Apply and get the decision at the same day
Sign the contract online and get your money on the same day

Documents, requirements and terms

check Bank statements
check Personal tax statement (for legal entities)
check Approval to get credit history for company and shareholders
check Shareholder's approval to get a loan (for legal entities)
check Copy of excerpt from state registry (for legal entities)
check Shareholder's guarantee (for legal entities)
Loan purpose
Any business purposes
Loan amount
From 5 000 AZN to 250 000 AZN
Loan term
From 3 to 24 months
Annual interest rate
12% - 17%
Fee (one-time)
1.5% of the loan amount
Credit format
A lump sum of credit is disbursed to a borrower's bank account
No collateral. Shareholder(s) guarantee
Loan settlement
Annuity (equal monthly installments)
Prepayment penalty
If more than 3 (three) times of the principal part of the principal is paid in accordance with the schedule before the due date, a penalty of 5% (five) percent of the excess amount shall be imposed
Delay penalty
By adding 15% to the annual interest rate
Loan approval validity
14 days from the day of informing the client about the positive decision via e-mail/SMS or another channel

What our customers say

The main thing in business is that everything always should be done on time. PASHA Bank always helps us promptly.
Nazim Shukurov

Founder – Bouquet & Co and Torte.az

Frequently asked questions

How can I get a business loan without collateral?

Business owners with ASAN İmza and official turnover can apply for a collateral-free loan on sme.pashabank.az. The loan is processed within one working day upon submission of required documents.

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.

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.

Start filling out your online business loan application

Apply now and get the loan on your account without visiting the bank.