Small Business Development Loan

For business Loans Small business development loan

Up to UZS 300 million in business financing for up to 7 years

Grace period

up to 36 months

Term

up to 84 months

Amount

up to UZS 300,000,000

Submit application

About the loan

3 steps to get a loan

Submit your application

Fill out the online form

Provide the documents

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

Receive the funds

Depending on the type of loan, receive your funds in cash or non-cash form

Submit application

Submit your application

Fill out the online form

Provide the documents

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

Receive the funds

Depending on the type of loan, receive your funds in cash or non-cash form

Submit application

Useful to know

Collateral

Collateral for loans up to UZS 100 million:

• portfolio guarantee from JSC Entrepreneurship Development Company
• deposit, goods in circulation, or a third-party guarantee (a legal entity, individual entrepreneur, or individual)
• insurance policy against the risk of loan non-repayment for no more than 50% of the loan amount

Collateral for loans up to UZS 200 million:

At least 70% of the collateral structure:
• real estate
• vehicles
• cash deposit
• jewelry
• gold bullion bars
• gold coins issued by the Central Bank of the Republic of Uzbekistan

No more than 30% of the collateral structure:
• equipment
• insurance policy against the risk of loan non-repayment
• goods in circulation — accepted at 50% of their cost
• third-party guarantee (a legal entity, individual entrepreneur, or individual)

The total value of the collateral must be at least 125% of the loan amount.

Required documents to get the service

• Application
• Financial documents
• Constituent documents
• Passport / ID card / TIN

Loan calculator

Necessary amount

1 000 000 UZS

For a period of months

12 Months

Interest rate

18.5 %

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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Questions and answers

The application is reviewed within up to 3 business days after submitting all required documents.

To replenish working capital and purchase fixed assets.

Yes, the grace period is up to 36 months.

It depends on the category of the district or city where the borrower is registered and operates.

The loan is available in all regions where Ipak Yuli Bank operates. The interest rate depends on the category of the district or city where the borrower is registered and operates.

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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.