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Working capital loan

loan size

Up to 2.5 billion MNT

loan period

36 months

interest rate

Monthly rate: 1.6%-2.0%

Annual rate: 19.2% - 24.0%

Loan calculator

The loan is deducted from the salary each month with interest.


Frequently asked question

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Working capital loan

You may apply for a working capital loan to carry out sustainable and normal operations of your business, expand it and to finance household consumption.


  • The size of the loan depends on your business scope and financial capacities;
  • Clients with good loan history, holding current account and savings deposit accounts at XacBank will enjoy lower interest rate on loan;
  • We offer flexible repayment schedule to match your business features and seasonal characteristics and give grace period of up to 8 months period;
  • The working capital may be used as guarantee for your loan;
  • We can finance your additional demand with a repeat loan even if you already have an outstanding loan with the Bank

Purpose of Loan

  • If you intend to start a new business, increase the working capital, and expand your business activities to increase income and revenues, we recommend you the “working capital loan”;
  • We also offer household loan to finance your other needs such as purchase of furniture, home appliances, renovation works, tuition fee of your children and travel.

Loan terms

Loan size
Loan period
interest rate*

service fee
Monthly rateAnnual rate
Up to 500 million MNT

Up to 36 months
21.6% - 24.0%

Interest rate can be decreased depending on the deposit amount and loan cycle /number of loans/ of the customer.

up to 5 million MNT - 0.5%
5 - 30 million MNT - 1%
Commitment fee: 0.2%
500 million to 2.5 billion MNT
1.6%-2.0%19.2% - 24.0%

*Annual percentage rate: 22.5% - 24.9%


  • Have business income to prove your financial capacity to repay the loan;
  • Have operated the business for more than 6 months;
  • Possess movable or immovable properties to pledge.

Required documents

  • Client Application Form /XacBank form, 1 copy of photo/ only for the first time loan applicants;
  • Business Loan application form; /XacBank form/;
  • Copies of ID Cards;
  • Business related documents /Special permits, patents, and licenses/;
  • Worksite documents /rent agreement, receipts of most recent rental payments /;
  • Business related documents /financial statements, record book etc./;
  • In case operational licenses are required, patents, licenses, and permits granted by authorities, and rental agreement;
  • Certificate of ownership of apartments, houses and land;
  • Miscellaneous:
  • Other.

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