Loans for business

to replenish working capital

soum/US dollar

not required

up to 12 months

bank branch

loan funds are disbursed under the supervision of the Credit Department through the client's loan account in national currency via cash withdrawals at the Bank's cash desk

an insurance policy covering the risk of non-repayment issued by an insurance company acceptable to the bank

yes
up to 8 months

differential, annuity

monthly

1. The Borrower's financial performance during the annual and the last quarterly reporting periods must not conclude with a loss. Exceptions include cases where the negative outcomes are substantiated with truthful and valid information.
2. The Borrower must not have negative indicators of working capital availability during the annual and the last quarterly reporting periods. Exceptions include cases where these indicators are substantiated with truthful and valid information.
3. There must be no overdue loan obligations on existing loans or equivalent operations.
4. Regarding loans over the last 12 months:
No more than two overdue obligations exceeding 30 days
No more than one overdue obligation exceeding 60 days
No overdue obligations exceeding 90 days
5. There must be no overdue loan obligations within "ASIA ALLIANCE BANK" JSCB for enterprises associated with the Borrower under control criteria
6. According to the Borrower’s credit history report (KATM), there must be no active loans categorized as "unsatisfactory," "doubtful," or "hopeless" in any commercial banks or associated enterprises within "ASIA ALLIANCE BANK" JSCB
7. There must be no extensions of interim or final payment deadlines for principal and accrued interest on active loans in "ASIA ALLIANCE BANK" JSCB
8. There must be no cases of non-compliance with conditions set by the collegial body regarding existing loan obligations (except general non-compliance or untimely compliance) within "ASIA ALLIANCE BANK" JSCB
9. There must be no cases of misuse of funds on active loans within "ASIA ALLIANCE BANK" JSCB. (Verification of targeted use is conducted based on a certificate of targeted use. This condition does not apply to loans whose certificates of targeted use are not yet due, when suppliers have not delivered goods/services and are subject to litigation, or when loans are granted for non-verifiable targeted purposes.)
10. The Borrower must have no pending financial obligations under execution cases opened by the Compulsory Enforcement Bureau
11. If, in the last three years, economic court claims related to credit services were filed and partially or fully satisfied, the application will be reviewed and denied
12. Loan amounts exceeding the specified limits or with terms such as interest rates that deviate from those outlined in the Product Passport are not accepted as Modular Loans.

loan funds are disbursed under the supervision of the Credit Department via the client’s loan account in national currency through cash withdrawals at the Bank’s cash desk

for legal entities:
loan application, founding documents, information about the company’s management and founders, founders’ consent/resolution to obtain credit and/or provide collateral, information on account turnovers and obligations in other banks. for individual entrepreneurs:
loan application, certificate, copy of passport, documents confirming the operational location, cash flow forecasts prepared by the client justifying the repayment of the loan amount, and other documents related to the implementation of the project
for loans provided solely on insurance policy security within "ASIA ALLIANCE BANK" JSCB, the amount must not exceed:
500.0 million UZS for legal entities
300.0 million UZS for individual entrepreneurs
additionally, the total amount of loans secured solely by an insurance policy, including loans issued to a single borrower or an interconnected group of borrowers, must not exceed 1.0 billion UZS
the targeted use of loan funds is not subject to separate verification or formalization through a certificate but must be defined in the credit agreement per the Project documentation and Business Plan

not required

possibly

possibly

possibly

not required

the loan amount is determined based on 50% of the funds credited to the borrower's account from their primary business activities over the last three months