Outdated equipment
Tractors and combines are worn out, and a one-time purchase of new equipment is too costly for the budget
Financing for agribusiness — aligned with seasonality and harvest cycles
Upgrade equipment through leasing, close the cash gap between planting and harvest, and pay seasonal workers in one operation
Payments for raw materials
Suppliers of seeds, fertilizers, and fuel require prepayment, while funds are tied up in inventory
Payments to seasonal workers
A large number of workers during harvest season makes cash payment logistics complex
Solutions for your business needs
Agricultural equipment leasing
Tractors, combines, irrigation equipment in installments without a one-time burden on working capital
Sum
Term
FOTON transport loan
Cargo transport for delivering harvest, processed products, and raw materials on special terms
Sum
Term
Express Auto
Loan for purchasing new or used vehicles for production needs
Sum
Term
Factoring for exporters
Get funds immediately after shipment without waiting for payment from a foreign buyer
Term
Term
"Ishonch" loan
Fast financing for seasonal cycles: seeds, fertilizers, fuel, plant protection products
Sum
Term
"Business Express" loan
Investments in agribusiness expansion
Sum
Term
Visa Business
Expenses for goods, transport and business trips — all in one statement without collecting receipts
Card issue
Maintenance cost
Visa Platinum Business
A convenient card for business trips, online payments, and everyday company needs
Card issue
Maintenance cost
Payroll project
Salary, transfers, payments and bonuses — all in one card
Open
Cards
Who this solution is for
Farms
Ishonch loan for planting cycles: seeds, fertilizers, fuel — up to 100 million UZS without real estate collateral
Agroholdings and cooperatives
Business Express for building storage facilities, processing, and expanding land — up to $500 000
Agricultural exporters
Factoring closes the gap between shipment and payment from a foreign buyer
Farms with equipment fleets
Leasing of tractors and combines: fixed payments, ownership transfers at the end of the term
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30+ years supporting businesses across regions of Uzbekistan
Frequently asked questions
To finance seasonal expenses — seeds, fertilizers, fuel — Ipak Yuli Bank offers the Ishonch loan up to 100 million UZS for up to 12 months. Applications can be submitted at any of the bank’s 17 branches. Decisions are made quickly, and real estate collateral is not required. The loan is designed specifically for trading and agricultural companies with short operating cycles.
Agricultural equipment leasing at Ipak Yuli Bank starts from 500 million UZS for up to 60 months. To apply, you need to visit a bank branch with company documents and financial statements. The bank evaluates the farm’s creditworthiness and offers individual terms. Ownership of the equipment is transferred after all payments are completed. Payments remain fixed throughout the leasing term.
If you export fruits, cotton, grain, or vegetables and wait 30–90 days for payment from a foreign buyer, factoring from Ipak Yuli Bank allows you to receive financing immediately after shipment and document submission. The factoring term is up to 180 days, with rates starting from 1%. This eliminates the cash gap between harvest and receipt of export proceeds.
Ipak Yuli Bank offers payroll solutions for agribusiness: issuing Uzcard and Visa Oylik cards for all employees, including seasonal workers. Salaries are paid in one operation via the Ipak Yuli Business app — without cash, branches, or manual transfers. Suitable for any number of employees.
For capital investments — building storage facilities, cold storage, processing units, or purchasing irrigation systems — Business Express is suitable up to $500 000 for up to 120 months. Applications are submitted at a bank branch with company documents and a business plan. A manager will help select optimal terms.
Yes. Ipak Yuli Bank offers FOTON transport loans up to 1 million USD for up to 48 months. The product is designed for purchasing cargo and specialized vehicles for agribusiness needs. Express Auto is also available — up to 10 billion UZS for up to 60 months for purchasing new and used vehicles.
Through the Ipak Yuli Business mobile app, you can view account balances in real time, create and sign payment documents using a digital signature, make payments to suppliers and salaries to employees, perform currency conversion and SWIFT transfers. The app is available on Android and iOS — without visiting the bank.