We are consultants. We do not lend, and we cannot approve anything. Credit decisions are made by banks and licensed financial organisations. Nobody, including us, can promise you an approval or a state guarantee.
Financial consulting for business · Karaganda
A consultant can prepare your application. Nobody can sell you the decision.
Nur Finance Consulting Company works with small and medium businesses in Karaganda and the region: financial documentation, business plans, and preparing applications for bank financing and for the state support programmes available to entrepreneurs.
That is worth stating plainly because the opposite is sold constantly. Every year businesses pay people who claim to have a contact at a bank or at the fund, and who guarantee approval for a fee paid in advance. Follow the chart below and it becomes clear why that offer cannot be real.
How an application actually travelsSelect any box
Select a box in the chart
Each step explains what happens there, who decides, and what a consultant can and cannot do.
The dashed red path is the one to avoid. It never reaches the bank.
Paying for advice
What a fee may look like — and what it must never look like
LEGITIMATE
Agreed in writing before the work starts, with a contract and an invoice
Paid to the company's own bank account, not to anybody's card
Charged for work — documents, a financial model, a business plan
Payable whether or not the bank says yes, because the outcome is not ours to control
Accompanied by a plain statement that approval cannot be guaranteed
STOP AND WALK AWAY
"A percentage of the approved amount, paid up front"
Payment to a personal card or an e-wallet
"My contact at the bank will handle it"
Any suggestion of paying someone inside a bank or a state body
A request for your electronic signature, passwords or one-time codes
On the last one in particular: a consultant never needs your electronic signature key or its password. Documents can be signed by you. Anything else is handing over your identity, and the consequences of what is then signed are yours.
State support
How programmes for entrepreneurs actually work
Kazakhstan runs support programmes for small and medium business — typically guarantees on bank lending and subsidies on the interest rate, delivered through partner banks rather than paid out directly to businesses. The detail changes from year to year, so check the current rules before planning around them.
You apply through a bankThe bank assesses the project. Support is attached to a bank facility rather than granted separately, so a weak application is not rescued by the programme.
Applying costs nothingParticipation in a state programme is not something anyone sells. If someone offers to obtain a guarantee or a subsidy for a fee paid to them personally, that is the fraud.
Eligibility rules are publicSector, size, purpose and history all matter. Read the criteria yourself — or ask us to read them with you — before spending money on preparation.
Nobody can promise approvalNot the consultant, not an intermediary, not anyone claiming to work at the fund. The bank and the programme decide.
Services
What we do
Financial documentation
Putting the figures into the form a bank expects: statements, forecasts, and the reconciliations that get asked for anyway.
Business plans and models
A plan built on your actual numbers, including the scenario where revenue is lower than hoped.
Application preparation
Assembling a complete package for a bank or a support programme, and explaining every requirement before you commit time to it.
Honest pre-assessment
Telling you, before any fee, whether an application is realistic — including when the honest answer is "not yet".
Management reporting
Simple regular reporting so the owner sees the business's position without waiting for the annual accounts.
What we do not do
Lend money, hold client funds, accept your electronic signature, promise approvals, or contact anyone at a bank or state body on your behalf other than openly.
Questions
Asked regularly
i.Can you guarantee the bank will approve my loan?
No, and anyone who says otherwise is either mistaken or selling something. What preparation changes is the quality of the application — completeness, realistic figures, documents that match each other — and that genuinely affects outcomes.
ii.Someone offered to arrange a state subsidy for a percentage.
Refuse. Support programmes are applied for through banks and participation is not sold by intermediaries. A percentage paid in advance to a private person is not a fee; it is a loss.
iii.Do you need my electronic signature?
No. You sign your own documents. We never hold a client's signature key or its password, and you should not give it to anyone.
iv.My business was refused. Is that the end?
Usually not. Ask for the reasons, fix what can be fixed — documentation, the model, the amount requested — and reapply when the picture is genuinely different. Applying repeatedly without changing anything rarely works.
v.Do you lend money yourselves?
No. We are consultants. Lending in Kazakhstan is carried on by banks and by licensed microfinance organisations, which you can check in the financial regulator's register.
Contact
Bring the numbers, not a story
Recent statements, what the money is for and how much. The first assessment is honest and it sometimes ends with us saying the application is not ready.
OfficeBukhar Zhyrau Avenue, building 51/4 Karaganda 100000, Kazakhstan