Requirement for the borrower

Economic entities, formed in accordance with the established procedure and term by the Statutory Fund, operating without loss

Type of Loan currency

National currency - UZS

Purpose of using a loan

Replenishment of working capital or for the purchase of fixed assets

Annual interest rate of the loan

At the first crediting of the client till 11 months to 0.1%, from 11 months to 1% per annum, subject to securing a loan in cash at 0 rate.

Subject to interest on deposits, the interest rate on the loan will be equal to the interest rate on collateral and plus the actual costs of the bank.

For the second time, 5% per annum (or interest rate on deposit + bank margin 5%)

Forms of credit granting

In non-cash form.

Forms of loan repayment

Annuity (equal payments) or other forms depending on the project.

Securing a loan

Deposits in national and foreign currencies

Cash in national currency and hard currency

List of necessary documents for obtaining a loan:

Credit application, indicating the purpose of obtaining a loan, amount and term

Copy of the Articles of Association and constituent documents;

Copy of the certificate of a legal entity registered by local authorities

Copy of license (if activity requires);

The decision of the relevant authorized body of the client to obtain a loan;

Business plan with mandatory indication of cash flow forecast;

Financial statements (balance sheet (form-1), statement of financial results (form-2), certificate of receivables and payables (form-2a), certificates of reconciliations on accounts receivable and accounts payable for more than 90 days, cash flow statement form-4) with comments);

Additional conditions for obtaining a loan

A loan may be issued to finance import contracts subject to a loan in foreign currency.

Purpose of the Loan:

To replenish working capital, purchase of fixed assets and other purposes to small business entities that do not contradict the current legislation

Potential borrower:

- Business entities subject to the main deposit account on demand at the Bank's branches;

- Availability of a profitable business;

- Subjects with at least 6 months of business experience.

Note: Enterprises operating at a loss, as well as having an illiquid balance sheet, are not subject to credit.

Currency of  the Loan:

National currency - UZS.

Amount of the Loan:

In the amount of up to 30% of the average monthly net revenue from core business for the last 6 months, but not more than 50 000 000 sum.

Period of the Loan:

up to 12 months.

Exemption period:

not provided

Forms of credit granting:

In non-cash form.

Interest rate on the loan:

20% per annual

Loan repayment form:

Differentiated

Securing the loan:

Guarantors of founders and insurance policy;

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 carrying out activities, a certificate of conformity and a product standard, which confirms 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 compliance and a standard for manufactured products (a copy certified by a seal);

- Financial reporting submitted to the State Tax Inspectorate for the last reporting period in the following composition: balance sheet - form number 1, report on financial results - 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.