The program aims to improve access to finance for small and medium size businesses, facilitate lending and ensure inclusive economic growth





  • Credit  Guarantee Scheme will be based on Portfolio Guarantees and the loan will be evaluated by the Commercial Bank/Microfinance organization
  • A security provided by the Agency for up to 90% of the principal amount for each loan disbursed by commercial bank within the framework of the program. Guarantee shall be issued for each bank participating in the program for up to 35% of the disbursed loan portfolio within this program, at any moment
  • In the case of a commercial bank minimum loan volume – GEL 50 000, while maximum loan volume – GEL 5 000 000
  • In the case of a microfinance organization minimum loan volume – GEL 20 000, while maximum loan volume – GEL5 000 000
  • The maximum loan warranty period is 10 years



The first tranche of the loan must be disbursed within six months after the loan approval.

The amount should not be less than 50 000 GEL, and the term of full utilization is set at two years, except for loans in the agriculture field, where the full utilization will be a maximum of 3 years. (The mentioned provision of the program will come into force from 01.09.2021)

All beneficiaries must ensure the unimpeded access of persons with disabilities to public buildings (facilities/administrative) using ramps and/or similar facilities. (The mentioned provision of the program will come into force from 01.09.2021)

Project is implemented in all the regions of Georgia

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