Loans for business

no specific requirement for targeted use – untargeted

soum/US dollar

not required

up to 36 months

bank branch

transfer to accounts opened in the system of JSCB "ASIA ALLIANCE BANK"

cash deposit collateral

yes
for loan term up to 12 months - 8 months;
for a loan term from 12 months to 24 months - 4 months;
for loan terms from 24 months to 36 months - 6 months

differential, annuity

monthly

1. Absence of overdue credit debt on the existing loan and equivalent transactions;
2. 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;
3. Absence of overdue credit debt of related enterprises within the "ASIA ALLIANCE BANK" system based on control;
4. Absence of active loans classified as "unsatisfactory," "doubtful," and "hopeless" for the client and their related enterprises in all commercial banks and within the "ASIA ALLIANCE BANK" system based on a borrower's credit history report obtained through control;
5. Within the "ASIA ALLIANCE BANK" system, there are currently no instances of extending interim and final principal debt repayment deadlines or interest payment deadlines on existing loans;
6. Within the "ASIA ALLIANCE BANK" system, there are currently no instances of non-compliance by the collegial body with the established terms and conditions for existing loans/obligations (with the exception of overall non-performance, other instances, i.e., not meeting deadlines);
7. Within the "ASIA ALLIANCE BANK" system, there should be no instances of misuse of existing loans. (Verification of the intended use is carried out based on an act of intended use. However, this condition does not apply to loans for which the deadline for the act of intended use has not yet arrived, for which the client has sued the supplier for non-delivery of services/products, as well as for loans allocated through products for which the intended use of credit funds should not be checked);
8. The client must not have funds payable under an enforcement case opened by the Bureau of Compulsory Enforcement;
9. In the event of lawsuits in the economic court regarding credit services over the past 3 years and partial or full satisfaction of the claim, the request will be reviewed and rejected;
10. Judicial (court-ordered) credit debt was not allowed at all;
11. Off-balance sheet (holds up written-off problem loans) credit debts accepted into the account were not allowed at all.

not required

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 granted to a borrower in the system of JSCB "ASIA ALLIANCE BANK" solely on the basis of insurance policy security, in 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 (IE, OT, HT, etc.). Also, when calculated in aggregate with loans allocated to one borrower or a group of interrelated borrowers on the basis of control, the total balance of loans secured only by an insurance policy should not exceed 1.0 billion soums.
2. The absence of interdependence between the founders of the supplier company and the borrower company under the agreement on the basis of which the credit funds are planned to be allocated.
3. Applications for loans exceeding the above-mentioned limits, or with an interest rate (including any lending terms) that is lower than or differs from the amounts specified in the Passport of this product, are not accepted as modular loans.

possibly

possibly

possibly

not required

interest rate:
up to 12 months - the interest rate is 27.99% per annum in the national currency and 14.99% in US dollars;
from 12 to 24 months - the interest rate is 29.00% per annum in the national currency and 16.00% in US dollars;
from 24 to 36 months - the interest rate is 30.99% per annum in the national currency and 17.00% in US dollars.