Credits

Loans for business

from 36% per annum

Interest rate

up to 36 months

Credit term

for legal entities - up to 1,6 billion soums, for individual entrepreneurs - up to 500,0 million soums

Loan amount

«IMKONIYAT» – For business entities engaged in entrepreneurial activities (legal entities and individual entrepreneurs) with at least six months of using software systems in their business activities

General terms

Loan target

to finance current activities (purchase of raw materials, goods, products, auxiliary (component) parts, payment for completed works and services, payment of wages, taxes and fees, as well as replenishment of working capital in order to cover other expenses within the framework of current activities).
If the client does not have any debt on file number 2, credit funds are allocated by transferring from his loan account to a demand deposit account or issuing cash through the bank's cash desk.
The intended use of credit funds is not checked in a separate order and is not formalized by drawing up an act.

Loan currency

soum

Loan amount

for legal entities - up to 1,6 billion soums, for individual entrepreneurs - up to 500,0 million soums

Initial payment

not required

Interest rate

from 36% per annum

Credit term

up to 36 months

Loan processing method

bank branch

Form of issue

by transfer to the client's account or in cash

Collateral

insurance policy for the risk of non-repayment of the loan of the insurance company "Inson"

Grace period

yes
loan term up to 12 months - up to 3 months;
loan term from 12 to 18 months - up to 6 months;
loan term from 18 to 24 months - up to 8 months;
loan term from 24 to 36 months - up to 10 months

Repayment method

differential, annuity

Frequency of payments

monthly

Borrower requirements

business entities (legal entities and individual entrepreneurs) engaged in the following types of business activities with a period of use of software systems of at least six (6) months:
- enterprises and individual entrepreneurs engaged in retail and wholesale trade and service provision activities;
- enterprises producing, harvesting, storing and processing, exporting, and supplying food;
- business entities engaged in activities in the field of trade, catering, and services;
- business entities engaged in the retail sale of agricultural, food and non-food consumer goods in markets and other retail outlets.

Loan Provision Order

not required

Required Documents

for legal entities - an application for a loan, constituent documents, information about the founders and the management of the enterprise, the consent / decision of the founders to obtain a loan and /or provide collateral; a business plan or calculations generated by the client and justifying the repayment of loan funds, indicating the forecast of cash flows, as well as other documents related to the implementation of the project..
for individual entrepreneurs - a loan application, a certificate, a copy of a passport, documents confirming the place of business; calculations generated by the client and justifying the repayment of loan funds, indicating the forecast of cash flows, as well as other documents related to the implementation of the project

Loan Service Fee

not required

Additional Conditions

not required

Early repayment

possibly

Limit increase

possibly

Early limit closure

possibly

Insurance

not required

Notes

interest rate:
loan term up to 18 months - at least 36% per annum; Loan term from 18 to 24 months - at least 38% per annum;
loan term from 24 to 36 months - at least 40% per annum