“Hamroh” loan program for women entrepreneurs

Hamroh

Hamroh — preferential financing for women entrepreneurs

Reduced rate, grace period, and extended financing term.

Hamroh by Ipak Yuli Bank is a preferential financing tool designed specifically for women entrepreneurs to support business growth and expansion.

Financing is provided for working capital replenishment or acquisition of fixed assets. You can use the funds to purchase equipment, transport, real estate, and other assets required for business growth.

Preferential terms and extended financing periods help reduce financial burden and enable long-term business projects.

Hamroh helps you grow your business with confidence — on transparent and accessible terms.

You grow your business — the bank provides the financing.

About the product
 

Preferential financing terms
 

• Reduced interest rate

• Grace period up to 36 months

• Financing term up to 7 years

• Financing in national currency

For business growth and expansion
 

• Working capital replenishment

• Purchase of equipment and machinery

• Financing of transport and real estate

• Suitable for small and medium businesses

Accessible and convenient financing
 

• Possibility to use a portfolio guarantee, including a guarantee provided by JSC “Entrepreneurship Development Company”

• consulting support from a credit specialist

• Application review within 3–5 business days

• Financing within entrepreneurship support program

Benefits
 

• Financing amount: 

            • For one project creating at least 2 new jobs — up to 1000 times the Base Calculation Amount;
               • For one project creating at least 5 new jobs — up to 4000 times the Base Calculation Amount.

• Term: up to 84 months

• Grace period: up to 36 months

• Interest rate: from 19% per annum

• Currency: UZS

• Application review: 3–5 business days

How Hamroh works:

1. The client registers the project via hamroh.biznes-portal.uz or contacts the bank

2. The bank reviews the application and makes a financing decision

3. The loan agreement is signed

4. The bank provides financing

5. The client uses the funds to develop the business

Why it is beneficial for your business
 

• Preferential financing terms

• Reduced financial burden during business growth

• Access to financing for business development

• Extended term and convenient repayment schedule

• Product designed specifically for women entrepreneurs