Sewing machine operators will be able to obtain preferential loans from four financial institutions

Garment industry enterprises now have the opportunity to obtain preferential financing directly through four authorized financial and credit organizations. The mechanism is being implemented as part of a project to subsidize interest rates for small and medium-sized enterprises, approved by a Cabinet of Ministers decree dated January 12, 2026.

Loans for representatives of the garment industry are provided through:

• Ayil Bank OJSC
• Eldik Bank OJSC
• Entrepreneurship Development Fund OJSC
• Keremet Bank OJSC

This allows entrepreneurs to choose the financial institution to which they wish to submit their application, which increases the accessibility of the program and expands opportunities for obtaining financing.

The program is designed for 2026–2030 and provides for interest rate subsidies from the state. This significantly reduces the cost of borrowing for businesses.

It is expected that preferential lending will become an additional incentive for modernizing production facilities, expanding output, and strengthening the export potential of the garment industry. Separate emphasis is placed on creating new jobs in the regions of the country.

For consultation and submission of documents, enterprises can contact the specified financial institutions directly.