• Legal entity type: JSC, LLP, or Branch.

• Operating history: at least 3 years*.

• Positive credit history: no arrears on credit obligations exceeding 10 days within the last year.

• Revenue: from 2,000,000,000 ₸ per annum.

• Positive operating cash flow and positive net profit as at the last reporting date.

• Equity ratio on the Company's balance sheet of at least 20% as at the last reporting date.

• Current ratio must be at least 1 as at the last reporting date.

• Availability of collateral.

* Start-up projects will be considered subject to the provision of a Guarantor — an active operating company that must meet the requirements set out in points 3 to 7 above.