"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 in the equivalent in UZS
- Grace period — up to 6 months on the principal
- Loan term
- up to 36 months — for working capital
- up to 60 months — for purchasing fixed assets and other business purposes
- Interest rate — Individual Entrepreneurs (IE) by cash from 18.6%, by transfer (IE, LLC) from 17.6%. The rate depends on the term and volume of the business
Advantages
- A universal loan for a wide range of business needs
- 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
- Real estate
- Vehicles (passenger car, special equipment, freight vehicle, bus, minibus, and other vehicles)
- Cash funds
- Jewelry
- Gold bars and gold coins issued by the Central Bank of the Republic of Uzbekistan
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 in the equivalent in UZS.
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.
In UZS, at the exchange rate applicable at the time the agreement is signed.
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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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.
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