Micro loans
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Micro loans
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Micro
loans

Unibank microloans – real support for small businesses! Turn your small ideas into big success!
Order
Micro loans
Micro loans
Period
48
months max.
Minimal amount
500
AZN
Maximal amount
200 000
AZN
Annual interest rate
5%
min.
Period
48
months max.
Minimal amount
500
AZN
Maximal amount
200 000
AZN
Annual interest rate
5%
min.

Who is it for?

Unibank supports entrepreneurs from various sectors in expanding and developing their businesses.
Support for everything you do!

Support for everything you do!

From the hardworking farmer to the freelancer living off big ideas, from the master craftsman who delivers on time to the taxi driver with hands steady on the wheel - we’re always by the side of every diligent entrepreneur.
Let it flow like butter!

Let it flow like butter!

If you have a small shop, a cozy beauty salon, or a bakery filled with the scent of fresh bread — this loan is for you!

Business loans

Strong support from Unibank for entrepreneurs with over 6 months in business!

Funded loans

These are loans offered on preferential terms through government or government-affiliated financial funds. They are issued for up to 10 years, with a grace period of up to 12 months and an annual interest rate starting from 5%.
Funded loans

Business loans

For entrepreneurs with at least 6 months of business activity - the loan is offered with a grace period of up to 3 months to boost turnover, purchase equipment, and launch new projects.
Business loans

Agricultural loans

These are loans provided to entrepreneurs engaged in agriculture. They are used for purposes such as crop farming, livestock breeding, horticulture, and the purchase of equipment and fertilizers. The loans are offered for up to 48 months, with a grace period of up to 12 months.
Agricultural loans

Business cards

Unibank business card is a cashless and secure payment method designed for entrepreneurs and companies. It is fully suitable for paying for goods and services, as well as for domestic, international, and online transactions.
Business cards

What is UPOS?

A POS-terminal service for easily accepting payments via mobile phone.
More
What is UPOS?

Loan application

Order your loan right now and let your business grow!
Personal information

FAQ

FAQ
1

I’m engaged in business activity. Can I get a loan from Unibank?

Yes. Any active taxpayer aged between 18 and 70, operating in agriculture, trade, services, or production sectors within Azerbaijan, can obtain a business loan from Unibank.
2

Is a guarantor required for business loans?

The need for a guarantor is determined after analyzing the business. If movable or immovable property is provided as collateral, a guarantor is not required.
3

Can I benefit from concessional fund loans (SIF, AKIA)?

Yes. Unibank is an authorized agent bank for SIF and AKIA. You may benefit from loans within the allocated limits of these funds.
4

How long does it take to get the loan?

The loan can be issued within 1 business day after submitting the application.
5

I don’t have a tax ID (VOEN). Can I still get a loan?

No. To receive a loan, you must be an active taxpayer and have a valid VOEN.
6

I have a loan from another bank. Can I still get a loan from Unibank?

Yes. If your income is deemed sufficient after business analysis, you may receive an additional loan from Unibank.
7

I or a family member have had delays in loan payments at another bank. Can I still get a loan?

Yes. This situation is assessed during the business evaluation, and a decision is made accordingly.
8

Can I make loan payments without visiting the bank?

Yes. You can easily make your loan payments through the UBank mobile app or payment terminals.
9

Will my home be inspected?

Whether a home inspection is needed depends on the results of the business analysis. In some cases, it may be required.
10

Can I change the loan payment date?

Yes. You can change your payment date once.
11

I’m already a Unibank customer. Can I apply for another loan?

Yes. Even if you have an outstanding loan, you can still apply for a new one.

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