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Business Universal

The program aims to support development of business in Georgia and diversification of domestic production, through creation of new enterprises, and expansion / re-equipment of existing enterprises.



  • Co-financing Mechanism
  • Leasing


* For loans issued by commercial banks

  • Within the framework of the loan, the Agency subsidizes the loan interest rate by the national refinancing rate minus 5% for the full term of the loan;
  • Within the framework of the loan, the Agency guarantees no more than 60% of the loan principal amount for a maximum period of 10 years;
  • The minimum loan amount is 50,000 GEL, and the maximum is 10,000,000 GEL;
  • At least 50% of the loan should be used for capital expenses, and not more than 50% for working/operational capital.

* Program conditions

  • Economic activity should be included in the list of priorities approved by the Government of Georgia under this program;
  • The beneficiary of the program must be an entrepreneur who meets the 3rd or 4th  category enterprise criteria (only in its income component) - in accordance with the Law of Georgia on Accounting, Reporting and Auditing, this can be checked through the link: www.reportal.ge
  • All beneficiaries are obliged to ensure unimpeded access of persons with disabilities to administrative buildings using ramps and / or similar facilities.


*The program enters into force from 01.09.2021.

From 01.09.2021, the company (parent) and their subsidiarity for which the total loan volume amount exceeds 10 million Gel, will be prohibited from further participating in the program. Herewith, the restriction only applies to the companies operating in the same economic activity section codes - calcified in according to NACE 2 (For the purposes of the program, a subsidiary firm is considered to be a beneficiary of the program which holds either 50% or more shares in the company)

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