What we review and prepare
The fee and scope are agreed in writing before work starts. We work from your documents and never need access to your bank accounts or your digital signature (EDS).
Debt map
All loans, leases and credit lines in one table: balances, rates, terms, collateral and penalties for early repayment.
Cash-flow check
Whether monthly income really covers the payments now, and in the weak months of your season.
Options
Refinancing into one loan, a longer term, a payment holiday or no change. Each with its full cost.
Bank request
A clear written request with the figures, the reason and a realistic repayment plan.
Document pack
The checklist your bank asks for, gathered and ordered before you submit.
After the answer
We go through the bank's offer with you and point out any terms to ask about.
Signs it is time to act
Payments take more than a third of monthly revenue.
One loan is being paid with money from another.
Several payment dates in a month leave no room for stock or wages.
A payment has already been late, or soon will be.
Expensive short-term loans were taken to cover a gap.
A seasonal dip is coming and the payments stay the same.
If a payment is already overdue, call your bank first, today. Talking to the lender early almost always leaves more options open.
Refinancing comparator
Enter your current loans and an offer you are considering. See what changes in the monthly payment and in the total you will pay. A lower payment is not always cheaper.
Current loans
| Balance, ₸ | Rate, % a year | Months left |
|---|
Offer: one new loan
The new loan is assumed to repay all current balances in full, with equal monthly payments (annuity). Fees and penalties are paid at the start.
Educational estimate only, not a credit offer or financial advice. Real offers depend on the bank's assessment, fees, insurance and collateral. Figures stay in your browser.
Limits and free help
What we will not do
- Lend, guarantee, or pay off your loans.
- Promise approval, a rate or a "write-off".
- Take your digital signature (EDS), passwords or bank cards.
- Give legal or tax advice. That is for a lawyer or tax adviser.
Where to get help free of charge
- Your own bank: ask which refinancing or restructuring options it offers. Asking costs nothing.
- The Financial Ombudsman, for disputes with a bank or microfinance organisation.
- The ARDFM (financial regulator), for complaints about a lender.
- Damu Entrepreneurship Development Fund, for state support programmes for small businesses.
Fraud warning. No one can "cancel" your debts for an upfront fee. Never hand over your EDS key or SMS codes. If someone does either in our name, do not pay. Report it to the police and let us know by email.
Station five: contact
Send a short list of your loans (no account numbers). We reply with the scope and a fee before any work.