Revolving credit line for business
Revolving Credit Line for Business
About the loan
Revolving Credit Line for Business
A revolving credit line for business at Ipak Yuli Bank is a credit limit linked to a current account that can be used as needed. You use only the amount your business requires at the moment, and once the debt is repaid, the limit is automatically restored — without the need to reapply for a loan.
The product helps manage working capital efficiently, cover cash gaps, and finance day-to-day business expenses on time.
Key aspects
Clear financing terms
• Credit limit amount: from 100 million to 100 billion UZS
• Financing term: up to 18 months
• Interest rate: from 21% per annum
• Interest-free grace period: up to 15 months
• Application review period: from 3 to 5 working days
• Currency: UZS or USD at the current Central Bank exchange rate
• Collateral: 125% of the financing amount
• Requirements: a legal entity resident in the Republic of Uzbekistan with confirmed creditworthiness
Key advantages
• Revolving credit limit without repeated loan applications
• Ability to use the full limit or only the amount needed
• Grace period of up to 15 months
• Transparent terms with no hidden fees or additional charges
How to obtain a revolving credit line
1. Submit an application
Visit the nearest Ipak Yuli Bank branch
2. Provide the documents
- Application
- Financial documents
- Founding documents
- Collateral documents
3. Receive a decision
The bank reviews the application and determines the credit limit and financing terms
4. Use the credit limit
After signing the agreement, you gain access to the limit and use the funds as needed
Why it is beneficial
• You pay only for the amount used
Interest is charged only on the funds actually utilized
• You manage working capital flexibly
Use funds exactly when your business needs them
• You work under transparent terms
Clear structure, fixed parameters, and bank support at every stage
Loan calculator
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How to apply for a loan?
Important to know
Required documents to get the service
- Application
- Financial documents
- Founding documents
- Collateral documents
Requirements for borrower
A legal entity that is a resident of the Republic of Uzbekistan, duly registered in accordance with applicable legislation and having confirmed creditworthiness
Questions and answers
It is a credit limit linked to a business current account that can be used multiple times within the agreed term. A revolving credit line for business is a credit limit that can be used and repaid several times. Once part of the debt is repaid, the limit is restored, and the funds become available again for the company’s day-to-day business needs.
A regular loan is a one-time amount received once. If additional funds are needed, a new application must be submitted. A Revolving Credit Line (RCL) is also an amount approved by the bank, but it can be used in parts. You repay only the amount you actually use. After repayment, there is no need to apply for a new loan — the funds remain available on your credit account and can be used again. Thus, a Revolving Credit Line (RCL) provides credit funds that can be used as needed, including for urgent expenses.
No. You may use either the full limit or only a portion of it, depending on your business needs.
No. After partial or full repayment, the funds become available for use again.
The funds can be used for current operating expenses, including payments to suppliers, counterparties, and tax obligations.
The financing term is up to 18 months in accordance with the loan agreement.
Yes. The product provides a grace period of up to 15 months. During this period, you do not pay the principal amount — only the interest.
No. There are no commissions or additional fees for this product.
The credit line is provided in UZS or in USD at the current exchange rate of the Central Bank of the Republic of Uzbekistan.
The product is available to legal entities that are residents of the Republic of Uzbekistan with confirmed creditworthiness.
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