“Hamroh” loan program for women entrepreneurs
About the loan
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 portfolio guarantee
• consulting support from a credit specialist
• Application review within 3–5 business days
• Financing within entrepreneurship support program
Benefits
• Financing amount: 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
How to apply for a loan?
Important to know
Required documents to get the service
- Application
- Financial documents
- Constituent documents
- Passport and TIN
Collateral
- Portfolio guarantee
- Third-party guarantee
- Inventory (goods in circulation)
- Insurance policy
- Real estate
- Vehicles
- Cash funds and other types of collateral
Business requirements
- Individual entrepreneur — woman
- Or a legal entity where women own at least 50% of the shares
- Or a legal entity managed by a woman
- Business must be registered and operating in the Republic of Uzbekistan
- Business activity must not be prohibited by the legislation of the Republic of Uzbekistan
Questions and answers
Women entrepreneurs and companies where women own at least 50% or act as the company head.
Working capital replenishment or acquisition of fixed assets.
Up to 4000 times the Base Calculation Amount.
Up to 24 months for working capital and up to 84 months for fixed assets.
Yes, up to 6 months and up to 36 months respectively.
Starting from 19% and 20% depending on the purpose.
Yes, project registration through the platform is part of the financing process.
The application is reviewed within 3–5 banking days, provided that a complete set of documents is submitted.
Financing is provided in the national currency — Uzbek soum.
Yes, depending on the conditions, collateral such as guarantees, property, or other forms of security may be required.
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