Ardshinbank offer long-term lending opportunities on more favorable terms to resident SMEs, including those engaged in agriculture.

Loans are available for various purposes, including acquiring fixed and working capital, repaying creditor debts (including refinancing existing loans from other financial institutions or Ardshinbank itself), as well as supporting business development.

Bank offers long-term loans for a duration of up to 15 years, with a maximum value of AMD 50 million, USD 100,000, or EUR. Additionally, borrowers benefit from a grace period of up to 12 months for repaying the principal amount. To accommodate the seasonal nature of businesses, the bank will develop an individualized repayment schedule.

The decision-making process for loan approvals is highly efficient, with decisions being made within 3 working days. Furthermore, Ardshinbank employs a simplified analysis of the borrower's business, significantly reducing the time required for loan approval and simplifying the overall procedure. The press service of Ardshinbank confirms this streamlined approach.

An online application for the “Simple” loan can be conveniently submitted by visiting the following link . Find out more information about the terms and conditions of providing by going to the following link.

The activities of Ardshinbank are regulated by the Central Bank of Armenia.