Microfinance

Basic parameters and terms of lending

(The credit calculator is in the process of testing, and calculations may differ from the final repayment schedule)
1.1. Features of credit Term loan
1.2. Name of loan product Microinvestment
Microfinance product
1.3. Purpose of loan product
  • For entrepreneurial entities (including individuals who do not have legal status-individual entrepreneurs and self-employed individuals)
  • A loan for purchasing fixed assets and increasing working capital.
1.4. Loan term In national currency; UZS
1.5. Maximum loan term The maximum period is 36 (thirty six) months.
To increase working capital in retail activity, the maximum period is 18 (eighteen) months
1.6. Interest rate (per annum). According to industry and term * Term
Industry (sector)		 1 - 12 months 13 - 18 months 19 - 24 months 25 - 36 months Grace period (according to the loan term)
Service and production sectors %27,00 %27,50 %28,00 %29,00 Grace period is up to 3 months when the loan term is up to 18 months. Grace period is up to 6 months when the loan term is between 19 and 36 months.
Production %27,00 %27,50 %28,00 %29,00
Trading activity %27,50 %28,00 %28,50 %29,00
1.7. Requirements for consideration of the loan application submitted by the borrower and decision making on this application Up to 5 (five) working days (with the submission of a complete set of documents)
1.8. Maximum loan term 50.000.000,00 (fifty million) UZS
For trading activity - 100.000.000,00 (a hundred million) UZS
1.9. Necessary documents
  • Documents which belong to an individual, an entrepreneur; a company
  • Security documents
1.10. Type of provision
(collateral)
  • Guarantee of property and a third-party person
  • In cases where the value of the transport, non-residential property, and a third-party person guaranteeing the loan amount is not less than 115% (as required for additional collateral
1.11. Requirements for the borrower
  • Being a citizen of the Republic of Uzbekistan;
  • Not having a negative credit history;
  • Ability to meet payment obligations;
  • The repayment of the main and interest payments of the loan is directed towards covering 60% of the borrower’s average monthly income, deducting existing credit payments and other mandatory payments;
1.12. Credit allocation form
  • Transferring credit funds to the bank account of the buyer/supplier for companies;
  • Sole entrepreneurs and self-employed individuals – in cash or to their bank card for an individual.
1.13. Periodicity of interim repayment payments Monthly
1.14. Type of repayment Annuity payment

In case of discrepancy between the languages, Uzbek language shall prevail other languages

3/27/2025