The “ASIA ALLIANCE BANK” JSCB offers the following modular loans to small business and private businesses.
ALLIANCE AUTO – for small businesses (private entrepreneurs, LLC, joint ventures, etc.);
- Purpose of the loan – for the purchase of vehicle or special;
- Loan term – up to 36 months;
- Preferential period – up to 6 months;
- An initial fee – In amount not less than 30 percent of the cost of vehicle or without initial payment, with liquid property pledged;
- Collateral– Collateral supply that satisfies bank requirements (real estate, equipment, vehicles, cash etc.) at a value not less than 125 percent of the total loan amount.
STANDART TRANSPORT – for small entities (individual entrepreneurs, family entrepreneurship, etc.);
- Purpose of the loan – for the purchase of vehicle or special equipment (except for agricultural machinery);
- Loan term – up to 36 months;
- Preferential period – up to 6 months;
- An initial fee – In amount not less than 30 percent of the cost of vehicle;
- Collateral– Collateral supply that satisfies bank requirements (real estate, equipment, vehicles, cash etc.) at a value not less than 125 percent of the total loan amount.
MIKRO - QARZ- the period of activity is not less than three months, for business entities engaged in entrepreneurial activity (enterprises and organizations with the status of a legal entity and individual entrepreneurs, etc.);
- Purpose of the loan – the loan funds are transferred to the debtor’s deposit account in order to make payments of expenses for the practice related to the current entrepreneurial activity. But, it is imperative that the loan funds are not spent on the repayment of other loan debts, the provision of financial assistance received. This condition must be established in the loan agreement;
- Loan term – up to 12 months;
- Preferential period – up to 3 months;
- Loan amount–up to 50 000 000,00 (fifty million) sums;
- Collateral –the insurance policy of the insurance company, the terms of which are acceptable for the bank, the risk of non-return of the loan.
ODDIY – individual entrepreneurs (private entrepreneurs) engaged in entrepreneurial activities, whose period of activity is not less than 6 (six) months, are constantly operating and have regular cash receipts;
- Purpose of the loan – to replenish working capital in order to expand and develop entrepreneurial activity;
- Loan term – up to 24 months;
- Preferential period – up to 6 months;
- Loan amount – up to 200 000 000,0 (two hundred millions) of sums;
- Collateral – the insurance policy of the insurance company, the terms of which are acceptable for the bank, the risk of non-return of the loan.
TEZKOR – for economic entities with the status of a legal entity, the operating period is not less than 3 months;
- Purpose of the loan – to replenish working capital in order to expand and develop entrepreneurial activity;
- Loan term – up to 24 months;
- Preferential period – up to 6 months;
- Loan amount – up to 300 000 000,0 (three hundred millions) of sums;
- Collateral – the insurance policy of the insurance company, the terms of which are acceptable for the bank, the risk of non-return of the loan.
KORPORATIV– business entities engaged in entrepreneurial activity whose period of activity is not less than 3 (three) months;
- Purpose of the loan –according to the current rules, to increase the working capital of business entities (enterprises and organizations with the status of a legal entity and individual entrepreneurs) in order to cover the costs associated with the activities of the enterprise and the payments of which can be made from a corporate card.
- Loan term – up to 12 months;
- Preferential period – up to 8 months depending on the type and term of the loan;
- Loan amount – up to 300 000 000,0 (three hundred millions) of sums;
- Collateral– the insurance policy of the insurance company, the terms of which are acceptable for the bank, the risk of non-return of the loan.
OPTIMAL KRЕDIT – business entities engaged in entrepreneurial activity whose period of activity is not less than 3 (three) months;
- Purpose of the loan – to replenish working capital in order to expand and develop entrepreneurial activity (for the purchase of goods, raw materials and materials, buildings and structures, equipment, etc. in wholesale and retail trade, production, service and other areas of activity, for the implementation of construction and reconstruction work and other projects);
- Loan term – up to 36 months;
- Preferential period – up to 6 months;
- Loan amount – up to 2 000 000 000,0 (two billions) of sums;
- Collateral– types of provision provided for by law in accordance with the requirements of the bank “The procedure for selecting and acceptingthe type of provision on credit and equivalent practices”.
STANDART – individual entrepreneurs engaged in entrepreneurial activities, the period of which is not less than three months (private entrepreneurs, family entrepreneurs, etc.);
- Purpose of the loan – to replenish working capital in order to expand and develop entrepreneurial activity (for the purchase of goods, raw materials and materials, buildings and structures, equipment, etc. in wholesale and retail trade, production, service and other areas of activity, for the implementation of construction and reconstruction work and other projects);
- Loan term – up to 36 months;
- Preferential period – up to 6 months;
- Loan amount – up to 500 000 000,0 (five hundred millions) of sums;
- Collateral– types of provision provided for by law in accordance with the requirements of the bank “The procedure for selecting and acceptingthe type of provision on credit and equivalent practices”.
“NAQD- KAPITAL” – for business entities (enterprises and organizations with the status of legal entities and individual entrepreneurs) engaged in the following business activities with a validity period of at least three months;
- enterprises for the production, preparation, storage and processing, export and supply of food products;
- business entities operating in the field of trade and public catering (including kitchens, restaurants, cafes, bars, hotels, outsourcing companies);
- business entities engaged in retail trade in agricultural products, food and non-food consumer goods in markets and other outlets;
- small businesses engaged in family business and craft activities (tailoring, weaving, needlework, home, culinary, pottery, jewelry and other types of crafts);
- small business entities engaged in gardening, farming and other types of agricultural production;
- small business entities engaged in small livestock breeding (cattle breeding, goat breeding, sheep breeding, horse breeding, fishing, etc.) and poultry farming, etc.
- Purpose of the loan – purchase of agricultural and food products that can be purchased in the markets and from residents for cash, organization of trade in imported and local non-food consumer goods and household goods, family business, gardening, for the organization and development of farming and handicraft activities, for the organization and development small-scale livestock and poultry activities, to replenish working capital;
- Loan term – up to 24 months;;
- Preferential period – up to 3 months;
- Loan amount for legal entity – up to 2 000 000 000,00 (two billions) of sums;
- Loan amount for individual entrepreneurs – up to 300 000 000,00 (three hundred millions) of sums;
- Collateral– types of provision provided for by law in accordance with the requirements of the bank “The procedure for selecting and acceptingthe type of provision on credit and equivalent practices”.
YASHIL IQTISODIYOT – Enterprises and organizations with the status of a legal entity and individual entrepreneurs;
- Purpose of the loan – To replenish working capital for the implementation of projects related to the uninterrupted supply of electricity to the economy, the introduction of renewable energy sources and technologies of the “Green economy”;
- Loan term – up to 12 months;
- Preferential period – up to 3 months;
- Loan amount for legal entity – up to 300 000 000,00 (three hundred millions) of sums;
- Loan amount for individual entrepreneurs – up to 200 000 000,00 (two hundred millions) of sums;
- Collateral– Insurance policy of the insurance company, the terms of which are acceptable for the bank, the risk of non-return of the loan.
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.
