Loans for business

to finance all types of projects that are not prohibited by law and are carried out with cash for the purpose of expanding and developing entrepreneurial activity

soum

not required

up to 36 months

bank branch

credit funds are allocated by issuing cash in national currency through the Bank's cash desk from the client's loan account under the supervision of the credit department

types of collateral provided for by legislation in accordance with the requirements of the Bank 'Procedure for the selection and acceptance of collateral for loans and equivalent operations' in the system of JSCB "ASIA ALLIANCE BANK"

yes
up to 6 months

differential, annuity

monthly

1. For the annual and last quarterly reporting period, the debtor's financial activity must not be unprofitable. If the results of the debtor's activities resulted in losses, except in cases where they are substantiated by reliable data;
2. The debtor's own working capital for the annual and last quarterly reporting period should not be negative. Except in cases where these indicators are substantiated by the debtor with reliable data;
3. Absence of overdue credit debt on existing credit and equivalent transactions;
4. For loans within the last 12 months: no more than 2 instances of overdue debt exceeding 30 days; no more than 1 instance of overdue debt exceeding 60 days; absence of overdue debt exceeding 90 days;
5. The absence of overdue credit debt in the "ASIA ALLIANCE BANK" JSC system of interconnected enterprises based on control;
6. the absence of current loans in the system of "ASIA ALLIANCE BANK" JSC from all commercial banks and related client enterprises, classified as "unsatisfactory," "doubtful," and "bad" based on the Borrower's Credit History Certificate (CCI) based on control;
7. The absence of cases of extending the intermediate and final deadlines for repayment of the principal debt on existing loans and accrued interest on the loan in the "ASIA ALLIANCE BANK" JSC system to date;
8. The absence of cases of non-fulfillment (except for non-fulfillment as a whole, other cases, i.e., non-fulfillment on time) of the conditions established by the collegial body for existing loans/existing obligations in the "ASIA ALLIANCE BANK" JSC system to date;
9. There should be no instances of misuse of existing loans in the "ASIA ALLIANCE BANK" JSC system. (Checking for the purpose of use is carried out on the basis of the act on the purpose of use. At the same time, this condition does not apply to loans allocated through products for which the validity period of the certificate of targeted use has not expired, the client has sued the supplier for insufficient delivery of services/products, and the targeted use of credit funds is not subject to verification);
10. The client must not have funds to pay for enforcement proceedings opened by the Bureau of Enforcement;
11. If there are claims in the economic court for credit services for the last 3 years and the claim is partially or fully satisfied, the request is considered and rejected;
12. Applications for which the loan amount exceeds the above limits, the interest rate, including any lending conditions, is lower than or differs from the amounts specified in the product passport, are not accepted as modular loans.

credit funds are allocated by issuing cash in national currency through the Bank's cash desk from the client's loan account under the supervision of the credit department

for legal entities – a loan application, founding documents, information about the company's management and founders, consent/resolution of the founders to obtain a loan and/or provide collateral; data on account turnover in other banks, and existing obligations. documents required from individual entrepreneurs – a loan application, certificate of registration, a copy of the passport, documents confirming the place of business; financial projections prepared by the client justifying loan repayment, including cash flow forecasts, as well as other documents related to the implementation of the project.

not required

1. The amount of loans issued to a borrower in the "ASIA ALLIANCE BANK" JSCB system exclusively on the basis of insurance policy collateral, in the total value, should not exceed 500,0 million soums for business entities with the status of a legal entity and 300,0 million soums for individual entrepreneurs without the status of a legal entity (IP, OP, PT, etc.). Also, when calculating together with loans allocated to one borrower or a group of interconnected borrowers based on control, the total balance of loans secured solely by insurance policy should not exceed 1,0 billion soums;
2. The targeted use of credit funds is not verified in a separate procedure and is not documented with an act, but the direction of credit funds must be determined in the loan agreement in accordance with the Project Documentation and the Business Plan

possibly

possibly

possibly

not required