Business Credit from Kaspi Pay is an unsecured loan for Kaspi Pay partners of 20,000 to 100,000,000 ₸ that the head of the company takes out in the app and repays automatically every day from sales. According to Kaspi, its annual effective rate of remuneration (ГЭСВ) is 46%. For a seller in the Kaspi.kz Store, the key question is not "will they approve it" but whether the stock purchase pays off: in the hypothetical calculation below, a 1,000,000 ₸ loan stops being worth it if the product takes longer than eight months to sell.
In short
- You can borrow from 20,000 to 100,000,000 ₸. A small amount, up to 100,000 ₸, is given for 3–12 months; a large one, from 301,000 ₸, for 12–48. You will see your personal limit only in the app: it is based on your credit history and turnover through Kaspi Pay.
- There is no interest rate in the calculations, only the overpayment for the whole term, which the app shows before you apply. The annual effective rate is 46%.
- Daily payment = monthly payment ÷ days in the month. In February and in the first month it can be higher.
- You can repay early at any time with no penalties, and interest is charged only for the actual term. Repaying a 1,000,000 ₸ loan after six months instead of a year saves about 63,000 ₸ in a hypothetical calculation.
- The loan amount is not income, and no tax is paid on it. But in an LLP (ТОО), every owner becomes a guarantor for every loan.
Business Credit terms
Amount and term
The minimum amount is 20,000 ₸, the maximum is 100,000,000 ₸ (q1167, updated Jun 10, 2025). How much you personally get is visible only when you apply: the decision is individual and depends on your credit history and the number of sales through Kaspi Pay. The term is tied to the amount (q2502, updated Jul 10, 2026):
| Amount | Available terms |
|---|---|
| 20,000 – 100,000 ₸ | 3, 6, 9 or 12 months |
| 101,000 – 300,000 ₸ | 6, 12, 18 or 24 months |
| 301,000 – 100,000,000 ₸ | 12, 24, 36 or 48 months |
Sometimes you ask for a year and the app replies: "let's make it two." Kaspi Pay does this when it can't approve the term you picked: it stretches the term so the monthly payment gets smaller (q2504). Nothing terrible — the extra year can be cut off later by repaying early.
Cost of the loan
Kaspi has its own logic here. An interest rate isn't used in the calculations; there is only the overpayment for the whole period, and the app shows its exact size before you submit the application (q4141, updated Sep 15, 2025). The annual effective rate of remuneration is 46% (q4140, updated Aug 31, 2025). Getting the loan itself is free, with no collateral and no documents (q3690).
What to spend it on is up to you: rent, advertising, buying stock, equipment — any business purpose (q1166).
Who can get it
Only the head of the company takes out the loan: the «Бизнес Кредит» (Business Credit) button on the main page of Kaspi Pay, with a decision within a minute (q1181, updated Apr 1, 2026). If approved, you need photo verification and to sign the agreement and the questionnaire with a Kaspi digital signature (ЭЦП). They are signed only the first time; after that, loans are issued without documents (q1184).
It won't work while your accounts are under arrest or other restrictions (q1204). Maternity leave, on the other hand, is not an obstacle in itself — the decision is based on credit history and ability to pay (q4990).
Separately for LLPs
If you have an LLP (ТОО), every owner must confirm every application and become the company's guarantor. This has to be done within three days, otherwise the application is rejected automatically (q4805, updated Apr 1, 2026; q4806). Kaspi lists plainly what happens if payments are overdue: penalty and interest, debiting from the account, collectors, pre-trial recovery, court — both against the LLP and against the guarantors. For a partner who isn't involved in day-to-day operations, this is a serious obligation, and it is worth discussing before the first application, not at the moment the notification arrives.
The contact persons from the questionnaire, by contrast, are not liable for anything: they are needed only to verify the data (q4992).
How daily repayment works
The formula
Debiting starts the day after you receive the loan (q1188). Kaspi gives the formula (q3387, updated Mar 18, 2026):
Daily payment = monthly payment ÷ number of days in the current month
Kaspi's example: a monthly payment of 300,000 ₸ and 30 days in the month give 10,000 ₸ a day. A caveat from the same article: in February and in the first month after a new loan, the daily amount can be higher if fewer than 30 days remain until the monthly payment date.
Where the money comes from
Money is debited only from the current day's sales. If there isn't enough, the amount is debited as soon as a customer pays for a purchase. If there was no revenue at all, the daily payment isn't repaid, and the missed days are debited later from sales; if sales still aren't enough, you need to top up the Kaspi Pay Account and pay the month's debt to avoid going overdue (q5215, updated Aug 12, 2026; q1195).
A Kaspi.kz Store seller has a trap of their own here. Money for an order lands on the Kaspi Pay Account when the buyer has picked up the product and the status has become «Выдан» (Issued) (q1346), not at the moment of payment. If you took a loan to buy stock and the goods take six weeks to come from China, there will be nothing to debit from in the first weeks, and the monthly obligation will remain. More on purchase lead times in the article on goods from China for selling on Kaspi.
No deferral
You can't reduce the monthly payment or get a deferral if things get difficult: Kaspi doesn't currently offer such a service (q4148). This matters more than it seems. You will have to build your own plan for "sales dropped" rather than count on restructuring.
How much the loan costs: a calculation
Payment and overpayment
Kaspi doesn't publish an overpayment formula, only the 46% annual effective rate. To get a sense of the numbers before applying, let's convert that rate into a monthly rate: 1.46^(1/12) − 1 ≈ 3.2% a month, and calculate a regular annuity.
Monthly payment = amount × r ÷ (1 − (1 + r)^−n), where r ≈ 3.2% and n is the term in months.
This is an estimate, not Kaspi data. The app shows the exact overpayment for your amount and term before you apply, and that is the figure to decide on.
| Amount and term | Monthly payment (estimate) | Daily, 30 days | Daily, 28 days | Overpayment over the term (estimate) |
|---|---|---|---|---|
| 300,000 ₸ for 6 months | 55,754 ₸ | 1,858 ₸ | 1,991 ₸ | 34,524 ₸ |
| 1,000,000 ₸ for 12 months | 101,689 ₸ | 3,390 ₸ | 3,632 ₸ | 220,265 ₸ |
| 1,000,000 ₸ for 24 months | 60,352 ₸ | 2,012 ₸ | 2,155 ₸ | 448,444 ₸ |
| 3,000,000 ₸ for 36 months | 141,624 ₸ | 4,721 ₸ | 5,058 ₸ | 2,098,450 ₸ |
Look at a million for one year and a million for two. In the second case, 2,012 ₸ leaves the till every day instead of 3,390 ₸ — 1,378 ₸ lighter. But the estimated overpayment grows from 220,265 to 448,444 ₸, by 228,179 ₸. That is the price of calmer days.
Early repayment
Kaspi allows repaying ahead of schedule whenever you like, in full or in parts, with no penalties or fees. Interest accrues only for the days you had the money. One restriction: a partial repayment must be at least one monthly payment (q2503, updated Jun 19, 2026).
In the same estimate, a 1,000,000 ₸ loan for 12 months repaid in full after six months costs about 157,300 ₸ in overpayment instead of 220,265 ₸ for the full term. The difference of about 63,000 ₸ is the price of money sitting idle in the second half of the year.
When buying stock on credit pays off
The threshold formula
The logic is simple: the product must bring in money faster than the overpayment drips away. It is checked with two lines.
Profit per month = purchase amount × profit per turnover ÷ months per turnover
Turnover threshold (months) = purchase amount × profit per turnover ÷ average overpayment per month
Profit per turnover is how much you earn net on each tenge of purchase over one "bought — sold" cycle, after the Kaspi commission, delivery and tax. How to calculate it down to the tenge is covered in the article on how not to sell at a loss on Kaspi.
A hypothetical example
A hypothetical example, not a client case. We take a million for 12 months and put all of it into stock. Suppose each turnover brings 15% net on the purchase amount, and revenue goes back into stock until the end of the term. The average overpayment in our estimate is 220,265 ₸ a year, or 18,355 ₸ a month.
| Months per turnover | Profit per month | Average overpayment per month | Net per month |
|---|---|---|---|
| 1 | 150,000 ₸ | 18,355 ₸ | +131,645 ₸ |
| 2 | 75,000 ₸ | 18,355 ₸ | +56,645 ₸ |
| 4 | 37,500 ₸ | 18,355 ₸ | +19,145 ₸ |
| 6 | 25,000 ₸ | 18,355 ₸ | +6,645 ₸ |
| 9 | 16,667 ₸ | 18,355 ₸ | −1,688 ₸ |
Threshold: 1,000,000 × 15% ÷ 18,355 ≈ 8.2 months. A product that sells out in a month or two justifies the loan with room to spare. A product that sits for half a year hands almost everything it earned to the bank. And with a nine-month turnover you work at a loss, even if every single sale adds up.
What the table doesn't show
The calculation is a monthly average. The till lives by the day: the daily 3,390 ₸ is debited from day one, while revenue from the stock you bought appears when the buyer receives the order. If the first sales start a month later, you repay that month from current sales of other products. Before applying, check one simple thing: do your usual daily sales cover the daily payment with a margin for a bad day? If not, take a longer term or a smaller amount.
The second thing is the season. Buying stock for the December peak on a 12-month loan means that from February to October you repay it from ordinary sales. How to plan stock for the season is covered in the article on seasonality of sales on Kaspi.
Taxes, cash and closing
The Business Credit amount is not income: you don't need to pay tax on it or show it in tax reporting (q1211, updated Jul 10, 2026). You pay taxes on revenue from goods sold, as usual; see the article on sole proprietor (ИП) taxes on Kaspi in 2026.
Need cash to pay a supplier at the market? The head of the company withdraws it from the Kaspi Pay Account at a Kaspi ATM (q1185). Overdue payments are repaid in Kaspi Pay (Мой Банк → Бизнес Кредит → «Оплатить», i.e. My Bank → Business Credit → Pay), in cash at an ATM or at a branch cash desk; a payment made through an ATM after 22:00 is credited the next day, with no fee (q2333, updated Aug 21, 2026).
Changed your mind? Until the documents are signed, the application is cancelled in Мой Банк → Бизнес Кредит. Once the money is already in the account, the only option is full early repayment, with the overpayment counted from the first day (q2510). You can fully close the loan after repaying the entire debt by submitting a request at a branch; a new loan is available the next day (q4985).
Common mistakes with Business Credit
- Taking a loan for slow-moving stock. With turnover longer than the threshold (8.2 months in the example), the overpayment eats the profit. Stock that sits for half a year isn't bought on credit.
- Counting only the monthly payment. Debiting is daily and starts the next day. If the goods are still in transit, you will have to repay from other sales.
- Choosing the maximum term "just in case." For 1,000,000 ₸, the difference between 12 and 24 months in the estimate is about 228,000 ₸ of overpayment. If the term is long, repay early.
- Not warning your LLP co-owners. Each of them becomes a guarantor for every loan and must confirm the application within three days. A notification in the app with no warning is easy to ignore, and the application will lapse.
- Counting on a deferral. Kaspi says this service doesn't exist right now. If sales halve in January, the daily amount stays the same.
- Confusing overpayment with interest. Kaspi doesn't give a rate, only the overpayment and the annual effective rate. Compare offers by overpayment over the term, not by "percent a month" from ads.
- Reporting the loan as income. The loan amount isn't taxed, and an extra line in the tax return is a reason for questions.
Checklist before applying for Business Credit
- Profit per turnover is calculated for the product you are buying, after commission, delivery and tax.
- The product's turnover is shorter than the threshold calculated with the formula.
- Your usual daily sales cover the daily payment with a margin.
- You have allowed for the daily debit being higher in February and in the first month.
- You have looked at the exact overpayment in the app for two or three terms.
- You have decided when and how much you will repay early.
- Your LLP co-owners know about the application and are ready to confirm it within three days.
- Your accounts have no arrest or restrictions.
- Your accountant knows the loan amount is not income.
Item five is worth 10 minutes. Different terms in the app give a different overpayment, and only there will you see real figures instead of an estimate based on the annual effective rate.
How to automate the price so stock bought on credit sells faster
The table above shows it: with a one-month turnover the loan works for you, with a nine-month one it works against you. Sales speed in the product card is largely decided by price. The SaleScout Kaspi bot checks prices every 20 seconds, keeps you at the top of the product card and never goes below the minimum price you set. When a competitor raises the price or leaves the card, the bot raises your price to just below the next seller. You can try the bot free for 7 days, no card needed.
Frequently asked questions about Kaspi Business Credit
What is the interest rate on Kaspi Pay Business Credit?
There isn't one as such. Kaspi Pay calculates not interest but the overpayment for the whole term, and shows it before you apply. For comparison with banks there is the annual effective rate — 46% a year.
How much can you borrow with Business Credit on Kaspi?
Formally, from 20,000 to 100,000,000 ₸. Your ceiling depends on your credit history and turnover through Kaspi Pay, and you can only find it out in the app by starting an application.
How is Business Credit debited from Kaspi sales?
Every day automatically, starting the day after you receive it. The daily payment is the monthly one divided by the number of days in the month: with 300,000 ₸ a month and 30 days, it is 10,000 ₸. It is debited from the current day's sales.
What happens if there are no sales on a given day?
The payment for that day isn't debited right away — it will be taken from future sales. If they aren't enough before the monthly payment date, top up the Kaspi Pay Account, otherwise the payment will be overdue. Kaspi doesn't currently offer deferrals or payment reductions.
Can Business Credit be repaid early?
Yes, and it pays to do so: there are no penalties or fees, and interest is charged only for the actual term. Partial repayments can be made in amounts of at least one monthly payment.
Do I need to pay tax on Business Credit?
No. According to Kaspi, the loan amount is not income and isn't shown in tax reporting. Tax is paid on sales revenue, as usual.
Why do LLP owners have to confirm Business Credit?
Each owner becomes the company's guarantor and is liable for repayment. Every application has to be confirmed in the Kaspi.kz app within three days, otherwise it is rejected automatically.
Sources
All links checked Oct 21, 2026. The sources are in Russian; original titles are given with English translations.
- Kaspi Guide for partners, "Business Credit". «Что такое Бизнес Кредит от Kaspi Pay?» (What is Business Credit from Kaspi Pay?) — https://guide.kaspi.kz/partner/ru/business_kredit/q1123 (updated Nov 4, 2024); «На что я могу использовать…?» (What can I use it for?) — https://guide.kaspi.kz/partner/ru/business_kredit/q1166 (updated Oct 18, 2023)
- Kaspi Guide, "Business Credit". «На какую сумму я могу получить…?» (What amount can I get?) — https://guide.kaspi.kz/partner/ru/business_kredit/conditions/q1167 (updated Jun 10, 2025); «На какой срок можно оформить…?» (For what term can it be taken?) — https://guide.kaspi.kz/partner/ru/business_kredit/conditions/q2502 (updated Jul 10, 2026); «Почему мне предложили увеличить срок…?» (Why was I offered a longer term?) — https://guide.kaspi.kz/partner/ru/business_kredit/conditions/q2504 (updated Jun 18, 2026)
- Kaspi Guide, "Business Credit". «Какая годовая эффективная ставка вознаграждения…?» (What is the annual effective rate?) — https://guide.kaspi.kz/partner/ru/business_kredit/conditions/q4140 (updated Aug 31, 2025); «Какая процентная ставка…?» (What is the interest rate?) — https://guide.kaspi.kz/partner/ru/business_kredit/q4141 (updated Sep 15, 2025); «Сколько стоит получить…?» (How much does it cost to get?) — https://guide.kaspi.kz/partner/ru/business_kredit/conditions/q3690 (updated Jun 10, 2025); «Я могу снизить переплату…?» (Can I reduce the overpayment?) — https://guide.kaspi.kz/partner/ru/business_kredit/conditions/q2503 (updated Jun 19, 2026)
- Kaspi Guide, "Business Credit". «Как получить… в мобильном приложении Kaspi Pay?» (How to get it in the Kaspi Pay app?) — https://guide.kaspi.kz/partner/ru/business_kredit/receive/q1181 (updated Apr 1, 2026); «Нужно ли подписывать документы при получении очередного…?» (Do I need to sign documents for a repeat loan?) — https://guide.kaspi.kz/partner/ru/business_kredit/q1184 (updated Oct 17, 2022); «На мои счета наложен арест…» (My accounts are under arrest) — https://guide.kaspi.kz/partner/ru/business_kredit/q1204 (updated Nov 4, 2024); «Я в декрете…» (I'm on maternity leave) — https://guide.kaspi.kz/partner/ru/business_kredit/receive/q4990 (updated Jun 18, 2026)
- Kaspi Guide, "Business Credit". «…нужно подтверждение владельцев ТОО. Почему?» (Why is LLP owners' confirmation needed?) — https://guide.kaspi.kz/partner/ru/business_kredit/conditions/q4805 (updated Apr 1, 2026); «Мне нужно согласие владельцев ТОО при получении очередного…?» (Do I need LLP owners' consent for a repeat loan?) — https://guide.kaspi.kz/partner/ru/business_kredit/receive/q4806 (updated Mar 20, 2026); «Зачем… сообщать данные контактных лиц?» (Why provide contact persons' details?) — https://guide.kaspi.kz/partner/ru/business_kredit/receive/q4992 (updated Jun 18, 2026)
- Kaspi Guide, "Business Credit". «С какого момента начинается списание…?» (When does debiting start?) — https://guide.kaspi.kz/partner/ru/business_kredit/repayment/daily_repayment/q1188 (updated Jul 30, 2026); «Как рассчитывается ежедневный платеж…?» (How is the daily payment calculated?) — https://guide.kaspi.kz/partner/ru/business_kredit/repayment/daily_repayment/q3387 (updated Mar 18, 2026); «Как погашается Бизнес Кредит…?» (How is Business Credit repaid?) — https://guide.kaspi.kz/partner/ru/business_kredit/repayment/daily_repayment/q5215 (updated Aug 12, 2026); «Что будет… в день, когда у меня нет продаж?» (What happens on a day with no sales?) — https://guide.kaspi.kz/partner/ru/business_kredit/repayment/daily_repayment/q1195 (updated Jun 24, 2024); «…уменьшить ежемесячный платёж или получить отсрочку?» (Can I reduce the monthly payment or get a deferral?) — https://guide.kaspi.kz/partner/ru/business_kredit/repayment/daily_repayment/q4148 (updated Jul 5, 2024)
- Kaspi Guide, "Business Credit". «Мне нужно платить налоги с этой суммы?» (Do I need to pay tax on this amount?) — https://guide.kaspi.kz/partner/ru/business_kredit/receive/q1211 (updated Jul 10, 2026); «Я могу получить… наличными?» (Can I get it in cash?) — https://guide.kaspi.kz/partner/ru/business_kredit/receive/q1185 (updated Jul 30, 2026); «У меня есть просрочка… Как ее погасить?» (I have an overdue payment — how do I repay it?) — https://guide.kaspi.kz/partner/ru/business_kredit/repayment/daily_repayment/q2333 (updated Aug 21, 2026); «…я передумал. Как отменить заявку?» (I changed my mind — how do I cancel?) — https://guide.kaspi.kz/partner/ru/business_kredit/receive/q2510 (updated May 6, 2024); «Как закрыть Бизнес Кредит…?» (How to close Business Credit?) — https://guide.kaspi.kz/partner/ru/business_kredit/conditions/q4985 (updated Jun 15, 2026)
- Kaspi Guide for partners. «Когда я получу деньги за продажи в Магазине на Kaspi.kz?» (When will I get the money for sales in the Kaspi.kz Store?) — https://guide.kaspi.kz/partner/ru/shop/returns/q1346 (updated Mar 27, 2026)
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