"Imkon" Universal Business Loan
Universal "Imkon" loan
About loan
What can the credit be used for
Business expansion
Open a new sales location, expand production, or launch a new business direction. Imkon helps finance company growth and implement your development plans.
Working capital financing
Use the loan to purchase raw materials and goods, pay for rent and services, or cover employee salaries. This helps the business operate steadily without cash flow gaps.
Investment in equipment and infrastructure
Purchase equipment, modernize production facilities, or invest in business development. The long-term financing period allows you to distribute the financial load and comfortably implement your project.
Salary payments
Use the loan to pay employees’ salaries on time, even during periods of increased financial pressure.
3 steps to get a loan
Useful to know
Financing terms
- Maximum amount — up to $200,000 or the equivalent in national currency
- Loan term
- up to 36 months — for working capital
- up to 60 months — for purchasing fixed assets and other business purposes
- Financing term — up to 60 months
- Interest rate — in national currency from 16% per annum; in foreign currency — from 10% per annum. The rate depends on the term and volume of the business
- Grace period — up to 6 months on the principal
Advantages
- A universal loan for a wide range of business needs
- Use the loan for almost any business purpose
- Choose the collateral that works best for you
- Receive funds to your account, corporate card, supplier, or in cash
Plan your business with confidence thanks to a grace period of up to 6 months on the principal amount
Loan calculator
| Date | Monthly payment | Debt balance | Percent | Main debt |
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The calculation is preliminary. The exact amount of payments will be determined by the bank based on the results of the application review.
*FCV - expenses that the borrower pays for the period of lending.
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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, individual entrepreneurs, and micro, small, and medium-sized businesses registered in the Republic of Uzbekistan. Start-up entrepreneurs who meet the Bank’s requirements may also apply.
"Imkon" is a universal business loan. The funds can be used for working capital, purchasing fixed assets, buying raw materials and goods, paying for works and services, salaries, taxes, rent, and other business needs.
Up to $200,000 or the equivalent amount in the national currency or euros.
The loan term depends on the purpose of financing:
• up to 36 months — for working capital;
• up to 60 months — for purchasing fixed assets and other business purposes.
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 3–10 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.
Collateral may include residential and non-residential real estate, vehicles, special equipment, cash funds, gold bullion bars, commemorative gold coins, and gold jewellery.
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