"Ishonch" Trade Loan
Which sectors are eligible for the loan?
Trade
Financing for retail stores, showrooms, online shops and other trading businesses
Services
Open a beauty salon, studio, training centre or any other service-based business
Manufacturing
Get financing for equipment, raw materials and launching your own production business
Agribusiness
Financing for farms, agricultural processing and other agribusiness projects
3 steps to get a loan
Important to know
Required documents to get the loan
- Application
- Financial documents
- Founding documents
- Passport / TIN
Requirements for borrower
Registered entrepreneurial activity, no overdue debt, and verifiable income
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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Questions and answers
Legal entities and individual entrepreneurs with registered activity and verified income.
To replenish working capital and purchase fixed assets (equipment, machinery, goods, etc.).
Up to 100,000,000 UZS or the equivalent in foreign currency at the CBU exchange rate on the date of application.
Up to 12 months.
In UZS: from 30% per annum
In USD: from 14% per annum
No hard collateral required. The loan is secured by an insurance policy and a guarantee.
If the documents are complete, the application is reviewed within up to 3 business days.
Application form, financial documents, foundation documents, passport, and TIN.
At any Ipak Yuli Bank branch or online via the official website.
Funds are credited to the business account or, in some cases (e.g. for individual entrepreneurs), disbursed in cash.
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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.
Other loans
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Ipak Yuli Business
All you need is in one application. No queues or waiting
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Ipak Yuli Business
