Loans for working capital up to $1 mln soums

For business Loans Loans for working capital replenishment

Working capital loan

Supporting business liquidity and financing operational expenses

Annual rate

From 24%

Term

up to 18 months

Amount

up to $10 mln

Submit application

How to apply for a loan?

Submit an application

Fill out the online application or visit the nearest bank branch

Provide documents

Submit the required minimum set of documents — our specialists will guide you on what’s needed

Review and approval

We will review your application and make a decision — usually within 3 to 7 business days

Sign the agreement

Once approved, you will be invited to sign the loan agreement

Receive the funds

Funds will be transferred to the seller’s account either in installments or as a single payment.

Submit application

Submit an application

Fill out the online application or visit the nearest bank branch

Provide documents

Submit the required minimum set of documents — our specialists will guide you on what’s needed

Review and approval

We will review your application and make a decision — usually within 3 to 7 business days

Sign the agreement

Once approved, you will be invited to sign the loan agreement

Receive the funds

Funds will be transferred to the seller’s account either in installments or as a single payment.

Submit application

About the loan

Working Capital Loan

Financing your business operations

The Working Capital Loan from Ipak Yuli Bank helps companies cover cash flow gaps and finance the production cycle. It is a solution for businesses that need to maintain liquidity and ensure continuous operations.

Key Aspects

Flexibility and scale:
• Loan amount — up to $10 million
• Term — up to 18 months
• Currency — only in national currency (UZS)

Reliability and transparency:
• Interest rate — from 24% per annum
• No fees or hidden charges
• Application review — within 3 to 7 business days

Key Advantages
• Support for liquidity and financing of current expenses
• Ability to pay suppliers for raw materials, goods, and services
• Various collateral options: real estate, equipment, guarantees, insurance policy, and more
• Loan with no hidden conditions

How the Loan Works

Submit an application — online via the mobile app or at a branch
Provide documents — minimal package, the list will be clarified by a specialist
Wait for approval — from 3 to 7 business days
Sign the agreement
Receive the funds — transferred to the supplier’s account in installments or as a lump sum

Why It’s Beneficial for Business
• Stability and continuity of business processes
• Financing without diverting your own funds
• Transparent conditions, with no hidden fees
• Ability to quickly cover cash flow gaps

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Important to know

Required documents to get the service

- Application

- Client’s legal documents

- Incorporation documents

- Shareholders’ meeting resolution

- Financial statements

- Collateral documents

Business/client requirements

Legal entity registered in the Republic of Uzbekistan

Questions and answers

The loan is available to legal entities registered in the Republic of Uzbekistan, with confirmed business activity and stable financial standing.

Financing is provided only in the national currency — UZS (soums).

The following may serve as collateral:

- real estate;

- vehicles;

- equipment;

- guarantee or insurance policy;

- etc.

The application is reviewed within 3 to 7 business days.

You can apply at any Ipak Yuli Bank branch.

Yes, the funds can be disbursed either in one lump sum or in parts — within the approved limit.

Financing is transferred to the seller’s/supplier’s account.

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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.