Modular loans

JSCB “ASIA ALLIANCE BANK” offers the following modular loans to small business and private businesses.

«QULAY BIZNES» – for small business entities (individual entrepreneurs, LLCs, joint ventures, etc.) that have the status of a legal entity;
- Loan purpose – non-targeted;
- Loan term – up to 36 months;
- Grace period – up to 8 months;
- Interest rate – from 27.99% per annum;
- Credit collateral – cash.

«BIZNES IPOTEKA» – for small business entities (individual entrepreneurs, LLCs, joint ventures, etc.) that have the status of a legal entity;
- Loan purpose – for the purpose of expanding and developing entrepreneurial activity, for the acquisition of residential and non-residential buildings on the primary and secondary markets (loans are not issued for the acquisition of buildings with equipment in a complete state);
- Loan term – up to 60 months;
- Grace period – up to 8 months;
- Interest rate – from 27.99% per annum;
- Initial payment – not less than 25 percent of the cost of the vehicle;
- Credit collateral – real estate acquired using credit funds is accepted as collateral in an amount not exceeding 70% of the contract value; for the insufficient part of the collateral, an insurance policy of an insurance company against the risk of loan default, the insurance terms of which are acceptable to the bank, is accepted.

«NAQD-KAPITAL» – business entities and individual entrepreneurs who have the status of legal entities in their activities, who need cash and have the right to carry out monetary practice;
- Purpose of the loan – to finance all types of projects not prohibited by law, in order to expand and develop entrepreneurial activity;;
- Loan term – up to 36 months;
- Grace period – up to 6 months;
- Loan amount – up to 3,500,000,000.0 sum;
- Interest rate - from 30.99% per annum (without additional fees for cash withdrawals);
- Credit collateral - types of collateral provided for by law in accordance with the requirements of the Bank "Procedure for selecting and accepting the type of collateral for a loan and equivalent transactions".

"EXPRESS MIKRO - QARZ" - for business entities (enterprises and organizations with the status of legal entities and individual entrepreneurs) carrying out entrepreneurial activities with a term of at least 3 months;
- Purpose of the loan - replenishment of working capital;
- Loan term - up to 12 months;
- Grace period - with an open credit line up to 8 months, without an open credit line up to 3 months;
- Interest rate - from 30.0% per annum;
- Loan amount - up to 500,000,000.00 sum;
- Credit security – An insurance company policy against the risk of non-repayment of a loan, the insurance conditions of which are acceptable to the bank.

«OPTIMAL KREDIT» – business entities with the status of a legal entity, carrying out entrepreneurial activities for at least three months;
- The purpose of the loan is to finance all types of projects not prohibited by law in order to expand and develop entrepreneurial activities (purchase and acquisition of goods, raw materials and materials, buildings and structures, vehicles and special equipment, as well as for the acquisition of agricultural machinery, equipment and consumables and for the implementation of construction, reconstruction work and other projects);
- Loan term - up to 36 months;
- Grace period - up to 8 months;
- Loan amount - up to 3,500,000,000.0 sum;
- Credit security - types of security provided for by law in accordance with the requirements of the Bank "Procedure for selecting and accepting the type of security for a loan and equivalent transactions".

«KORPORATIV» – for business entities (enterprises and organizations with the status of legal entities and individual entrepreneurs) that have been engaged in business activities for at least three months;
- Purpose of the loan – to replenish the corporate card of business entities;
- Loan term – up to 12 months;
- Grace period – up to 8 months;
- Interest rate – from 27.99% per annum;
- Loan amount – up to 500,000,000.0 sum;
- Credit security – an insurance company policy against the risk of non-repayment of the loan, the insurance terms of which are acceptable to the bank.

«ALLIANCE AUTO» – for small business entities (individual entrepreneurs, LLCs, joint ventures, etc.) that have the status of a legal entity;
- Purpose of the loan – to purchase a (new) car from the primary market for official use (no more than 3 units);
- Loan term - up to 48 months;
- Grace period - up to 6 months;
- Interest rate - from 27.99% per annum;
- Down payment - not less than 30 percent of the cost of the vehicle;
- Credit security - vehicles purchased using credit funds are accepted as security in an amount not exceeding 70% of the contract value; for the insufficient part of the collateral, an insurance policy of an insurance company against the risk of non-repayment of the loan, the insurance conditions of which are acceptable to the bank, is accepted.

«ECO DRIVE» – for small business entities (individual entrepreneurs, LLCs, joint ventures, etc.) with the status of a legal entity;
- Purpose of the loan – for the purchase of a (new) electric/hybrid vehicle from the primary market for official use (no more than 3 units);
- Loan term – up to 60 months;
- Grace period – up to 6 months;
- Interest rate – from 27.99% per annum;
- Down payment – not less than 30 percent of the cost of the vehicle;
- Credit collateral - vehicles purchased using credit funds are accepted as collateral in an amount not exceeding 70% of the contract value; for the insufficient portion of the collateral, an insurance policy of an insurance company against the risk of loan default, the insurance terms of which are acceptable to the bank, is accepted.

"TEZKOR" - business entities with the status of a legal entity, engaged in entrepreneurial activity for at least three months, permanently operating and having regular cash turnover;
- Purpose of the loan - to replenish working capital for the purpose of expanding and developing entrepreneurial activity;
- Loan term - up to 36 months;
- Grace period - up to 6 months;
- Interest rate - from 27.99% per annum;
- Loan amount - up to 500,000,000.0 sum;
- Credit collateral - an insurance company policy against the risk of loan default, the insurance terms of which are acceptable to the bank.

«QISHLOQ XOJALIGIGA KO’MAK» – business entities (enterprises and organizations with the status of legal entities, as well as individual entrepreneurs) engaged in or wishing to engage in entrepreneurial activity in the field of agriculture (fruit and vegetable growing, horticulture, animal husbandry, fishing, sericulture, poultry farming, etc.);
- The purpose of the loan is to replenish working capital in order to expand and develop entrepreneurial activity related to agricultural activity (growing, producing, processing agricultural products, servicing the industry, purchasing buildings and structures, equipment and equipment related to the industry, etc., creating or reconstructing fruit and vegetable gardens, etc.) for the implementation of projects;
- Loan term - up to 36 months;
- Grace period - up to 6 months;
- Loan amount - up to 3,000,000,000.0 sum;
- Credit security – types of security provided by law in accordance with the requirements of the Bank "Procedure for selecting and accepting the type of security for a loan and equivalent transactions".

"BIZNESGA BIRINCHI QADAM" - citizens of the Republic of Uzbekistan who have reached the age of 18, registered with the state tax service as self-employed persons, paying social tax and having no official income;
- Purpose of the loan - a microloan for organizing and developing a business;
- Loan term - up to 12 months;
- Grace period - up to 1 month;
- Loan amount - up to 5,000,000.00 sum;
- Credit security - an insurance company policy against the risk of non-repayment of a loan, the insurance terms of which are acceptable to the bank.

«YANGI TADBIRKOR» – is intended to finance individual (private) entrepreneurs who have been engaged in entrepreneurial activity for at least three months, are permanently operating and have regular cash receipts;
- The purpose of the loan is to create new and additional new jobs, to expand and develop entrepreneurial activities not prohibited by law;
- The number of new jobs created is from 3 to 5 people;
- Loan term - up to 24 months;
- Grace period - up to 6 months;
- Loan interest rate:
- Loan term up to 12 months - 24.00% in national currency, - 12.00% in foreign currency;
- Loan term up to 18 months - 26.00% in national currency, - 14.00% in foreign currency;
- Loan term up to 24 months - 27.99% in national currency, - 16.00% in foreign currency;
- Loan amount - up to 300,000,000.0 sum equivalent;
- Loan collateral - Loan default risk insurance policy, on terms acceptable to the Bank;
- Other terms and documents - according to the Loan Passport.

«BANDLIKKA KO'MAK» - is intended to finance business entities with the status of a legal entity, carrying out or wishing to carry out entrepreneurial activities;
- The purpose of the loan - to create new and additional new jobs, to expand and develop entrepreneurial activities (purchase and acquisition of goods, raw materials and materials, buildings and structures, vehicles and special equipment, as well as for the acquisition of agricultural machinery, equipment and consumables and for the implementation of construction, reconstruction work and other projects). Financing is carried out for any types of activities not prohibited by the legislation of the Republic of Uzbekistan;
- Loan term - up to 36 months;
- Grace period - up to 9 months;
- Loan interest rate:
- When creating from 5 to 10 new jobs - 26.00% in national currency, - 13.00% in foreign currency;
- When creating more than 10 new jobs - 24.00% in national currency, - 12.00% in foreign currency;
- Loan amount - up to 1,000,000,000.0 sum equivalent;
- Loan collateral - all types of collateral provided for by law in accordance with the requirements of the Bank, according to the Procedure for the selection and acceptance of collateral for loans and equivalent transactions in the ASIA ALLIANCE BANK system.

- Other conditions and documents - according to the Loan Passport.

The borrower provides the following documents to the Commercial Bank of the service of obtaining a loan:

- Application form (information on the purpose, amount, duration of the loan requested in the application, as well as provision in the amount of 125 percent in relation to the loan amount should be clearly indicated, the application should be approved by signature of the head and the seal of the organization);
- Copies of the Constituent documents of the borrower and certificates of state registration.
- Documents confirming the right to sign a loan agreement on behalf of the borrower;
- Business plan and calculations with the forecast of cash receipts (cash flows) arising from the bank account of the borrower during the financing period of the project;
- Prepared financial statements of the borrower for the specified reporting period (accounting balance sheet 1 form) and report on financial results (form 2);
- Documents on collateral (credit provision)
- Consent of the client to obtain a formalized loan in accordance with the procedure established by applicable legislation;
- Additional documentation and information may be requested due to project features.