IDBank IDMERCH Business loan/overdraft. Get up to 50.000․000 AMD for your business.
About us Branches and ATMs Requisites
(+374 10) 59 33 33 Feedback
AM RU
Please be informed that starting from May 9 of the current year, the “Business On Demand” deposit will not operate in IDBank.05/09/2022 03:39:00 pm

In connection with the events unfolding around the Russian Federation and the Republic of Ukraine, to receive currency transfers available, we ask you to use only the data of the Banks and the requisites at the following link.

03/01/2022 05:01:00 pm
Dear customers, please be informed that the hours of operation will be changed in branches of IDBank.11/10/2021
All
Частным клиентамКорпоративным клиентамДиджиталПункт менюБольшой пункт менюОчень большой пункт меню
Retail
Business
Digital
Investment USA Representative Office
Order a bank card Apply for credit Open a deposit
IDBusiness Online
Financing
Business Credits Business Pro credit line Business Rocket loan Business Rocket Plus Cash collateral loans Promoting Renewable Energy or Energy Efficiency Rocket Distributor Loan “IDBusiness Shoppy” Overdraft Real Estate-secured Business Loans Real Estate-secured Business Credit Lines IDMERCH Business loan/overdraft Packages Package “IDBusiness Shoppy” Trade finance Bank Guarantee Documentary Credit
Deposits
Safe Business Safe with the right to accomplish Business Safe without the right to accomplish
Accounts
Account Opening/Service Bank Аccounts Metal Accounts Trading Account Escrou accounts Transfers on and outside the RA territory
Cards
Business cards Mastercard Business Preferred Visa Signature Business Visa Platinum Business Visa Business Plus Visa Business
Payment instruments
Payment instruments Rocket Line 0% POS terminals V-POS (virtual POS terminal) SoftPOS
More
Digital Banking Remote Servicing Acceptance of payments online and via terminals Others Safe deposit boxes List of appraisal companies IDBank Reference Rate (IBRR) Insurance Tariffs
Retail Business Digital Investment USA Representative Office
Financing
Financing
Business Credits Business Pro credit line Business Rocket loan Business Rocket Plus Cash collateral loans Promoting Renewable Energy or Energy Efficiency Rocket Distributor Loan “IDBusiness Shoppy” Overdraft Real Estate-secured Business Loans Real Estate-secured Business Credit Lines IDMERCH Business loan/overdraft Packages Package “IDBusiness Shoppy” Trade finance Bank Guarantee Documentary Credit
Deposits
Deposits
Safe Business Safe with the right to accomplish Business Safe without the right to accomplish
Accounts
Accounts
Account Opening/Service Bank Аccounts Metal Accounts Trading Account Escrou accounts Transfers on and outside the RA territory
Cards
Cards
Business cards Mastercard Business Preferred Visa Signature Business Visa Platinum Business Visa Business Plus Visa Business
Payment instruments
Payment instruments
Payment instruments Rocket Line 0% POS terminals V-POS (virtual POS terminal) SoftPOS
More
More
Digital Banking Remote Servicing Acceptance of payments online and via terminals Others Safe deposit boxes List of appraisal companies IDBank Reference Rate (IBRR) Insurance Tariffs
IDBusiness Online
About us
Branches and ATMs
Requisites
(+374 10) 59 33 33
Feedback
Order a bank card Apply for credit Open a deposit
IDMERCH Business loan/overdraft

IDMERCH Business loan/overdraft

Get up to 50.000․000 AMD for your business

Apply
Currency
֏, $
Interest rate
Loan - from 14,5% Overdraft - from 15,5%
Repayment Term
12-60 months
Amount
500.000 - 50.000.000 AMD

General

General
Tariffs
Documents
IDMERCH Business loan/overdraft

Your business deserves the best solutions. Get a non-cash business loan or overdraft of up to 50.000.000 AMD or the equivalent in USD, with a repayment term of up to 60 months. Get the loan with no processing fee and a grace period of up to 45 days for the overdraft.

The business loan or overdraft is provided based on the average monthly turnover generated through POS terminals and/or the Idram QR/online checkout payment system, up to 10 times the minimum amount. Apply for a loan at any IDBank branch.



Advantages

Currency Freedom
The loan is provided in AMD and USD
Long repayment term
Repayment term of up to 60 months
Fast approval
The loan approval process is fast and simplified
Information bulletin
“ID Bank” CJSC crediting rules for Legal entities and Individual entrepreneurs
A sample of a power of attorney for a loan-pledge for Legal entities
27.26 KB
A sample of a power of attorney for a loan-pledge for Individual entrepreneur
28.24 KB
Example of a power of attorney /LP
45.30 KB
Example of a power of attorney /IE
43.29 KB

Apply now

Repayment term of up to 60 months
The loan approval process is fast and simplified

Client type
IP
Legal entity
Code
+374 (Armenia)
+7 (Russia)
+375 (Belarus)
+32 (Belgium)
+1 (USA / Canada)
+49 (Germany)
+86 (China)
+995 (Georgia)
+33 (France)
+39 (Italy)
+34 (Spain)
+971 (UAE)
+44 (United Kingdom)
+386 (Slovenia)
+421 (Slovakia)
Branch
"Arabkir" branch
"Centre" branch
"Nor Nork" branch
"Hrazdan" branch
"Armavir" branch
IDBank Head Office
"Vanadzor" branch
"Echmiadzin” branch
"Davtashen" branch
"Gyumri" branch
"Abovyan" branch
“Vardanants” branch
"Shengavit" branch
"Malatia" branch
"Baghramyan" branch
"Erebuni" branch
"Old Yerevan" branch
"Artashat" branch
"Kapan" branch
«Homplex Mall» branch
Passport / International passport
Choose or drag it here
File size no more than 6 MBAcceptable file formats - pdf, jpeg, png, gif, doc
Unacceptable file
Public service number
Choose or drag it here
File size no more than 6 MBAcceptable file formats - pdf, jpeg, png, gif, doc
Unacceptable file
Other documents
Choose or drag it here
File size no more than 6 MBAcceptable file formats - pdf, jpeg, png, gif, doc
Unacceptable file
© 2026 All rights reserved by IDBank
/THE BANK SUPERVISED BY THE CENTRAL BANK OF ARMENIA/
Information updated 08.01.2026 02:56
Developed inNew Site