“Business Express” Loan — Up to 5 Years Financing

Name: JSCB «Ipak Yuli»
Address: A. Kadyri str., 2, Tashkent, 100017, UZ

For business Loans "Business Express" long-term loan

"Business Express" long-term loan

Financing for the development of small and medium-sized businesses

Amount

up to $500 000

Term

up to 60 months

Term rate

from 11%

Submit an application

About loan

3 steps to get a loan

Submit an online application

A bank employee will contact you and provide consultations

Visit your preferred bank branch

During the consultation, the employee will explain the conditions

Wait for a financing approval response

We will contact you after analyzing the application and documents.

Submit application

Submit an online application

A bank employee will contact you and provide consultations

Visit your preferred bank branch

During the consultation, the employee will explain the conditions

Wait for a financing approval response

We will contact you after analyzing the application and documents.

Submit application

Useful to know

Financing terms

Maximum amount — up to $500,000 or the equivalent in national currency
Up to 60 months — for loans up to $500,000
Over 60 months — for loans up to $200,000
Financing term — up to 120 months
Grace period — up to 6 months on the principal

Advantages

Long-term financing for businesses — up to 5 years
Large financing amount — up to $500,000
Flexible use of funds for various business needs
Grace period of up to 6 months on the principal
Application decision within 3–5 business days

Submit application

Loan calculator

Necessary amount

1 000 UZS

For a period of months

12 Months

Interest rate

11 %

Loan repayment method

Collateral valuation expenses

Insurance expenses

Other

Date	Monthly payment	Debt balance	Percent	Main debt

The calculation is preliminary. The exact amount of payments will be determined by the bank based on the results of the application review.

Rate %

Term in months month

Insurance expenses 0 UZS

Collateral valuation expenses 0 UZS

Full Credit Value (FCV)* %

*FCV - expenses that the borrower pays for the period of lending.

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Required for submussion

Documents

Application
Financial documents
Constituent documents
Passport / ID card / TIN

Collateral

Purchased vehicle
Real estate
Vehicles
Cash funds
Jewelry
Gold bars and gold coins issued by the Central Bank of the Republic of Uzbekistan

Additionally

Guarantee
Insurance
Equipment
Inventory

FAQ

The loan is available to legal entities and individual entrepreneurs registered in the Republic of Uzbekistan.

Business Express is a universal business loan offering financing of up to $500,000, a long-term repayment period of up to 10 years, and the flexibility to use funds for various business needs.

Business Express is a non-purpose loan. Funds can be used for purchasing raw materials and goods, paying for services and rent, paying employee salaries, paying taxes, and other expenses related to business operations.

Raw materials, finished products, services, rent, taxes, salaries, as well as cash withdrawals for business purposes.

This is a long-term loan with a maximum term of 120 months (10 years). Up to 60 months — for loans up to $500,000. Over 60 months — for loans up to $200,000.

Yes. A grace period on the principal may be provided for up to 6 months. During this period, only interest payments are required.

The loan is provided in the national currency (UZS) or in US dollars (USD).

The application is reviewed within 3–5 business days, provided that all required documents are submitted.

Funds may be transferred to the borrower’s main settlement account, to a corporate bank card, or issued through the bank’s cash desk.

Bank on map

Important things to know about loans

What to consider when applying for a bank loan

Before taking a loan, evaluate the key parameters:

Interest rate and total cost — compare not only the stated rate but also the total cost of credit (which includes all fees).
Amount and term — borrow only what you need and for a comfortable period so that the payment does not exceed 40–50% of your income.
Collateral — loans without collateral or a guarantor usually have higher rates but are easier to obtain.
Disbursement and repayment method — managing your loan online via the mobile app is the most convenient.

Our specialists are always ready to help you calculate and choose the best option for your situation.

Main consequences of failing to repay a loan

Increase in outstanding debt: Penalties, late payment charges, and interest accrue on overdue amounts, increasing the total amount owed.
Enforcement against property and bank accounts: The bank has the right to recover outstanding debt from funds held in the borrower’s bank accounts and from their personal property through court proceedings or enforcement procedures. If the proceeds from the sale of the property are insufficient to cover the debt, the borrower remains responsible for the outstanding balance.
Liability of guarantors and pledgors: If the loan is secured by collateral or a guarantee, the obligation to repay the debt may extend to the guarantors or pledgors. They may subsequently claim reimbursement of the amounts paid from the principal borrower.
Restrictions on leaving the country: A debtor’s right to leave Uzbekistan may be temporarily restricted by a court decision or an order issued by a state enforcement officer.
Negative impact on credit history: Information about overdue payments is reported to credit bureaus, which may make it difficult or impossible to obtain new loans or installment payment plans in the future.