Loans from the Bank's own funds

Loans through the open line "Revolver"

Purpose of loan: Replenishment of working capital
Potentioal borrower: All small businesses (private entrepreneurs, micro firms, small businesses, etc.), who have at least 6 months of business experience.
Individual entrepreneurs, farmers farms that do not have the status of a legal entity.
Currency of the loan: National currency – UZS.
Amount of loan: Up to 5 000 000 000 UZS
     1. According to the general agreement of the short-term credit line "Revolver" for replenishment of circulating assets of retail enterprises is issued for a period of up to 60 months with the condition of a full refund every 12 months;
2. According to the general agreement of the credit line for replenishment of current assets for other purposes, except for retail trade, it is issued for a period of up to 60 months, with the condition of a full refund every 18 months.
Forms of the loan: In non-cash form.
Interest rate on the loan: It is installed on a contractual basis.
Form of loan repayment: Differentiated or other forms depending on the project.
Securing the loan: Movable property;
Real estate;
Equipment;
Deposits;
Guarantee of the Bank or insurance policy;
Guarantees of third parties;
Other liquid assets are not inconsistent with the current legislation.
List of necessary documents for obtaining a loan: 1. For individual entrepreneurs:
 - Copy of the certificate of entrepreneurial activity;
 - A document confirming the identity of the borrower - a copy of the passport;
 - Business plan with mandatory indication of the purpose, term and amount of the loan, forecast cash flow;
 - Documents related to security;
 - Other documents as required by the bank.
2. For small businesses with the formation of a legal entity:
 - Copy of the articles of association of the enterprise and constituent documents;
 - A copy of the certificate of a legal entity registered by local authorities;
 - Licenses for activities confirming the right to engage in the type of activity if the activity is included in the list of those requiring special licenses and a certificate of conformity and a standard for the products (a copy certified by a seal);
 - Financial statements submitted to the State Tax Inspectorate for the last reporting period in the following composition: balance sheet - form number 1, financial results report - form number 2. Decoding of receivables and payables, decoding of the movement of fixed assets;
 - Business plan with mandatory indication of the purpose, term and amount of the loan, cash flow forecast;
 - Documents related to security;
 - Other documents as required by the bank.

 

Loans to small businesses at the expense of the Bank's own funds

Purpose of loan: Replenishment of working capital, construction, acquisition of fixed assets, implementation of customs payments and other purposes to small business entities;
Potential borrower: Small enterprise, microfirma, dekhkan farm, farm, family enterprises and individual entrepreneurs
Currency of the loan: National currence – UZS.
Amount of loan: Depends on the financial condition of the potential borrower, the volume of his business and the source of loan repayment
  To replenish working capital - up to 18 months;
To purchase fixed assets - up to 60 months.
Preferential period: For loans issued for replenishment of working capital up to 6 months.
Loans issued for other purposes for up to 12 months.
Forms of the loan: In non-cash form.
Interest rate of the loan: It is installed on a contractual basis.
Forms of loan repayment: Differential, annuity (equal payments) or other forms depending on the project.
Securing the loan: Movable property;
Real estate;
Equipment;
Deposite;
Guarantee of the Bank or insurance policy
Guarantees of third parties
Other liquid assets are not inconsistent with the current legislation.
List of necessary documents for obtaining a loan: 1. For individual entrepreneurs:
 - Copy of the certificate of entrepreneurial activity;
 - Document confirming the identity of the borrower - a copy of the passport;
 - Business plan with mandatory indication of the purpose, term and amount of the loan, cash flow forecast;
 - Documents related to security;
 - Other documents as required by the bank.
2. For small businesses with the formation of a legal entity:
 - Copy of the articles of association of the enterprise and constituent documents;
 - A copy of the certificate of a legal entity registered by local authorities;
 - Licenses for activities confirming the right to engage in the type of activity if the activity is included in the list of those requiring special licenses and a certificate of conformity and a standard for the products (a copy certified by a seal);
 - Financial statements submitted to the State Tax Inspectorate for the last reporting period in the following composition: balance sheet - form number 1, financial results report - form number 2. Decoding of receivables and payables, decoding of the movement of fixed assets;
 - Business plan with mandatory indication of the purpose, term and amount of the loan, cash flow forecast;
 - Documents related to security;
 - Other documents that required by the bank.

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