Loans for business

to replenish working capital

soum/US dollar

not required

up to 36 months

bank branch

for goods/services based on the contract

in accordance with the requirements set by the bank's "Procedure for selecting and accepting collateral types for loans and equivalent operations," including legally established types of collateral

yes
up to 6 months if no credit line is opened;
Up to 8 months if a credit line is opened

differential, annuity

monthly

1. The Borrower's financial performance during the annual and last quarterly reporting periods must not conclude with a loss. Exceptions apply if the Borrower’s negative results are substantiated with truthful and valid information
2. The Borrower’s working capital availability during the annual and last quarterly reporting periods must not show negative indicators. Exceptions apply if 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:
Overdue obligations exceeding 30 days must not exceed two instances
Overdue obligations exceeding 60 days must not exceed one instance
There must be no overdue obligations exceeding 90 days 5. Enterprises associated with the Borrower under control criteria must have no overdue loan obligations in the “ASIA ALLIANCE BANK” JSCB
6. According to the Borrower’s credit history report (KATM), the client and their associated enterprises must not have any active loans classified as "unsatisfactory," "doubtful," or "hopeless" in any commercial bank or in the “ASIA ALLIANCE BANK” JSCB
7. There must be no cases of interim or final payment deadline extensions for principal and interest on active loans in the “ASIA ALLIANCE BANK” JSCB
8. There must be no cases of non-compliance with the terms set by the collegial body regarding existing loan obligations in the “ASIA ALLIANCE BANK” JSCB, except for general non-compliance or untimely compliance
9. There must be no cases of misuse of funds on active loans in the “ASIA ALLIANCE BANK” JSCB (Verification of targeted use is conducted based on a certificate of targeted use. This condition does not apply to loans where the certificate is not yet due, the supplier has failed to deliver goods/services and is subject to litigation, or when loans are granted for non-verifiable targeted purposes.)
10. The Borrower must not have any pending financial obligations under execution cases opened by the Compulsory Enforcement Bureau
11. If, within 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 requests exceeding the specified limits, with interest rates or terms differing from those outlined in the Product Passport, will not be accepted as Modular Loans

according to the contract, for goods/services

for legal entities:
loan application
constituent documents
Information about the company's management and founders
consent/decision of the founders regarding obtaining a loan and/or providing collateral
statements of account turnover in other banks
information about existing liabilities
for individual entrepreneurs:
loan application
certificate of registration
copy of passport
documents confirming the location of business operations
financial calculations prepared by the client, demonstrating the repayment of loan funds, including cash flow forecasts
other documents related to the implementation of the project

not required

the total amount of loans provided to the Borrower in the "ASIA ALLIANCE BANK" JSCB solely based on insurance policy security must not exceed:
500.0 million UZS for entrepreneurial entities with legal entity status
300.0 million UZS for individual entrepreneurs without legal entity status
Additionally, under control criteria, the total outstanding loans secured solely by insurance policies, including those issued to a single borrower or an interconnected group of borrowers, must not exceed 1.0 billion UZS

possibly

possibly

possibly

not required