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





  • The credit-guarantee scheme is based on portfolio guarantees and the loan evaluation is carried out by a Commercial bank/Microfinance.
  • Security provided by the Agency for up to 80% of the principal amount for each loan disbursed by commercial bank within the framework of the program. The 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
  • At least 80% of the loan should be used for capital expenditures and no more than 20% for revenue expenditures.



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.

All beneficiaries must ensure the unimpeded access of persons with disabilities to public buildings (facilities/administrative) using ramps and/or similar facilities.

Project is implemented in all the regions of Georgia

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