Green Loan

 Citizen of the Republic of Armenia, an individual and/or legal entity, including a sole proprietor, engaged in agricultural and/or entrepreneurial activities, who earns stable income from such activities (with at least 3 consecutive months of agricultural and/or entrepreneurial activity). 

When receiving the loan funds, the borrower must act in their own name and for their own benefit. Taking a loan for the benefit of a third party is prohibited.

301.000-40.000.000 AMD 

12.5%-24% 

13.03%-27.08% 

 3–84 months for the acquisition of working capital and fixed assets, as well as for other entrepreneurial (business) purposes (the 61–84 month term is available exclusively with real estate collateral). 

Depending on the borrower’s preferred repayment date, the loan term may deviate from the specified number of months by up to 45 days. 

 Aged 21–65 (subject to change by the Credit Committee). 

0% of the loan amount 

15.000 AMD 

 Non-cash 

 A grace period of up to 10 months is available within each 12-month period. 

 The total amount of all loans shall not exceed AMD 40,000,000. 

 Guarantee and Collateral Requirements 

Guarantor Requirements
  Guarantors must be aged 21–65 (subject to change by the Credit Committee). 

Minimum Requirements for a Subsidiary Guarantor
 
A subsidiary guarantor must be:

Other Conditions
  Each guarantor may be replaced by collateral in the form of a vehicle covering at least 50% of the loan amount (based on its liquid value). 

 

For loans up to AMD 5,000,000 (inclusive):
The Borrower has the right to repay the loan in full or in part ahead of schedule, without paying any penalty, and to fulfill the contractual obligations early. 

For loans of AMD 5,000,001 and above:
In case of early fulfillment of contractual obligations, including full or partial early repayment of the Loan, the Borrower shall pay a penalty of up to 5% (five percent) of the prepaid amount as partial compensation for the Lender’s expected lost income. 

In addition: 

✔ In case of full early repayment, the Borrower shall pay the accrued interest as of the repayment date, service fees, other applicable fees, and the principal amount of the loan. 

✔ In case of partial early repayment: 

If the paid amount is insufficient to cover the full upcoming installment, repayment is applied in the following order:
 

✔ The Borrower may, at their discretion, make payments for future scheduled installments. In such cases, payments are applied in the following order:
 

In this case, the Borrower is exempt from making payments on scheduled dates to the extent of the amounts already paid in advance.
 
Additional provisions:
4. In case of partial early repayment, the paid amount first covers the full upcoming installment. Any excess amount is applied toward loan repayment unless the Borrower instructs that it be allocated to future installments (as described in clause 6). In such cases, future interest and service fees are recalculated based on the reduced outstanding balance, resulting in lower future payments. The Borrower is informed about changes to the repayment schedule and may request a new schedule from the Lender after one business day. If requested by mail, the new schedule is sent within 3–5 business days and may be issued unilaterally signed and stamped by the Lender without the Borrower’s signature.
5. If the payment is insufficient to cover the full upcoming installment, service and other fees are repaid first, followed by interest, and then principal. 
6. The Borrower may request that payments for future months be applied in a specific order: first service and other fees for future months, then interest accrued as of the payment date, then future service fees and interest calculated on the remaining balance, and finally principal, or another order specified by the Borrower. If no such request is made, clause 4 applies. 
7.  In cases where the Borrower makes payments for future months in accordance with clause 6, the Borrower shall be exempt from making payments on the scheduled repayment dates to the extent of the amounts already prepaid.

 

1. For Individual Borrowers 

2. For Legal Entities
 

3. For Individual Entrepreneurs
 

 The organization makes a decision regarding the loan application within a maximum of 2 business days, and the loan is actually disbursed to the borrower within a maximum of 2 business days after approval. 

 

 Annuity (The loan is repaid through equal monthly installments consisting of principal and interest payments). 

"Arfin" UCO LLC will provide the client with information (statement) regarding the obligations arising from the loan agreement every 30 days. The statement is provided free of charge. You have the right to communicate with the financial organization through your preferred method: by postal mail, electronically, or by phone. 

ATTENTION: Poor credit history may hinder future loan processes.
 
Loans are processed at the office or representative branches of Arfin UCO LLC.
 

"Your Financial Directory" www.fininfo.am is an electronic system that facilitates searching, comparing, and selecting the most effective options of services offered to individuals. 

What is a credit history? Credit history shows how you have fulfilled and continue to fulfill all your financial and credit obligations. Your credit history includes only data from the last 5 years from the date of the credit history inquiry (received loans - their quantity and amount, type and terms of each loan, repayment performance, guarantees provided to other people, presence of overdue loans, as well as associated fines and penalties). Example: If an inquiry about your credit history is made in July 2024, your credit history will reflect information only from July 2019 onwards. We also inform you that receiving a credit report from ACRA Credit Bureau once a year is free of charge. You can obtain your credit report online from the ACRA Credit Bureau website (www.acra.am) once a year and check your credit behavior. If you notice any errors, contact the lending organization to correct them. 

 What is a SCORE? 

The score is a customer creditworthiness rating formed in the scoring system, which is obtained through the analysis of various available information about the customer and the application of statistical methods. Based on the score rating, the possible credit limit, term, and other conditions for a specific type of loan can be determined. 

Arfin UCO LLC uses the ACRA SP3 complete report in the lending process, through which customer data is collected and analyzed, as well as information from various available information sources such as ACRA Credit Bureau, EKENG, NORK, and other databases is analyzed. Internal analysis algorithms are based on several key parameters, including the customer's credit history and financial behavior, credit load, income, and other factors. 

To improve the SCORE rating, the borrower can: 

For more detailed information, you can visit the following links:
abcfinance.am
acra.am 
 

 The Terms and Conditions for the provision and subsequent servicing of loans were adopted and approved by Order No. 52 of the Executive Director of ARFIN UCO LLC, Mr. Ararat Jaghatspanyan, dated 23 April 2026.