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The guarantee is the bank instrument allowing minimization of the principal’s and beneficiary’s risks, which is the unconditional commitment of the bank to pay a sum at the beneficiary’s request in writing in case of default by the principal.

Cartu Bank issues both the local and international guarantees.

The international guarantee may be:

  • direct guarantee: the letter of guarantee submitted to the beneficiary without certification;
  • certified guarantee: the letter of guarantee certified by a first class bank.


  • compared to the other credit instruments a lower interest rate;
  • smaller risks associated with the local and international transactions.


General Terms


GEL/USD/€/ CHF/Russian ruble/£

Volume of the guarantee

On a case-by-case basis

Primary Collateral

  • movable/immovable property
  • monetary collateral - private money resources of a company /natural person
  • a deposit opened with Cartu Bank JSC in the name of a person

Additional Collateral

  • personal surety
  • a third person’s(s) personal or/and corporate surety
  • pledge of the intangible assets


On a case-by-case basis

Frequency/schedule of interest payment

On a case-by-case basis