Revolving credit line for business

For business Loans Revolving Credit Line for Business

Revolving Credit Line "RCL"

Flexible financing to support working capital and business growth

Sum

based on the borrower's project

Term

up to 36 months

Term rate

from 19.2%

Submit application

3 steps to get a loan

Submit your application

Visit the nearest Ipak Yuli Bank branch and submit an application to open a revolving credit line.

Provide the documents

Submit the required documents — we will assess your business’s financial position, turnover, and collateral terms.

Sign the agreement and access the credit limit

After approval, sign the agreement and the credit limit becomes available for use under the agreed terms.

Submit application

Submit your application

Visit the nearest Ipak Yuli Bank branch and submit an application to open a revolving credit line.

Provide the documents

Submit the required documents — we will assess your business’s financial position, turnover, and collateral terms.

Sign the agreement and access the credit limit

After approval, sign the agreement and the credit limit becomes available for use under the agreed terms.

Submit application

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

• Kredit limiti miqdori: qarz oluvchining loyihasidan kelib chiqqan holda

• Financing term: up to 36 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

Key advantages

• Renewable limit — pay off the debt and use the available limit again during the credit line term

• Financing as needed — receive funds in separate tranches when the business needs them

• Online or in a branch — you can apply for a loan through internet banking or at the Bank's branch

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

Necessary amount

100 000 000 UZS

For a period of months

12 Months

Interest rate

19.2 %

Loan repayment method

Collateral valuation expenses

Insurance expenses

Other

Date	Monthly payment	Debt balance	Percent	Main debt

The calculation is preliminary. The exact amount of payments will be determined by the bank based on the results of the application review.

Rate %

Term in months month

Insurance expenses 0 UZS

Collateral valuation expenses 0 UZS

Full Credit Value (FCV)* %

*FCV - expenses that the borrower pays for the period of lending.

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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 36 months in accordance with the loan agreement.

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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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.