Main Types of Business Loans

1. Traditional Term Loan
You receive a specific amount and repay it in equal installments over a fixed term. This option is convenient if you need to expand your business, purchase inventory, or renovate your workspace.

2. Credit Line
You get access to a set credit limit and use the funds as needed. You only pay interest on the amount actually used. This is ideal for covering unexpected expenses or cash flow gaps.

3. Equipment Financing
If you’re planning to purchase machinery, vehicles, or production equipment, this product is for you. In some cases, the purchased asset itself serves as collateral.

Secured vs. Unsecured Loans — What’s the Difference?

• Secured loans are backed by assets such as real estate, vehicles, or equipment. These typically offer lower annual interest rates. At Mikro Kapital, you can receive up to 20 million AMD with this type of loan.


• Unsecured loans are the fastest type of financing available. Third-party guarantees can serve as collateral. With this option, you can access up to 15 million AMD in just one day at Mikro Kapital.

What You Need to Know Before Applying

Preparation is the key to success. Here’s a checklist:

• Check your credit history — both personal and business.


• Prepare financial statements: profit and loss statement, balance sheet, and cash flow statement.


• Clearly define how much you need and what it’s for.


• Think through how you’ll repay the loan and how it will contribute to your business growth.

Final Thought

A loan is not just about money — it’s a financial decision. If you know why you need it, how to repay it, and how it will help your business grow — you’re on the right track.