Gap between shipment and payment
Goods are shipped, but payment arrives in 60–90 days — leaving insufficient working capital for the next deal
Solutions for Export & Import
Export and import (foreign trade)
Make SWIFT payments, finance import purchases through trade finance, and receive funds for shipped goods immediately through factoring — all in one bank
Slow international payments
Delays in SWIFT transfers disrupt contract timelines and damage your reputation with foreign partners
Trust of foreign counterparties
New partners are not ready to work without bank guarantees or a letter of credit
Solutions for your business needs
Factoring
Get paid immediately for shipped goods without waiting for buyer payment
Term rate
Term
"Business Express" loan
Working capital loan for import cycles
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
Importers
Tradeloan finances purchases without using your own funds — keeping your cash in circulation
Exporters
Factoring provides immediate funds after shipment — without waiting for payment from foreign buyers
Companies with regular foreign currency payments
Multi-currency accounts and SWIFT transfers via the mobile app — no need to visit the bank
Factories and plants
Business Express up to $500 000 for expansion, construction, and modernization of production
Item 1 of 4
Start accepting payments and financing purchases this month
Frequently asked questions
Tradeloan is a loan from Ipak Yuli Bank based on an international trade contract. The bank finances payment to a foreign supplier or supports an export transaction. The amount starts from 50,000 USD, with a term of up to 1095 days (3 years). The product is suitable for importers who need to pay for purchases without taking their own funds out of circulation. To apply, contact a bank branch with the contract and company documents.
Factoring allows you to receive payment for shipped goods immediately, without waiting for the buyer’s payment. You ship the goods, submit the documents to Ipak Yuli Bank — the bank pays you the financing. The buyer pays the bank within the agreed period. The factoring term is up to 180 days, with rates starting from 1%. This closes the cash gap between shipment and receipt of funds.
International SWIFT payments are available via the Ipak Yuli Business mobile app without visiting the bank. Ipak Yuli Bank has direct correspondent relationships with leading international banks, ensuring fast and reliable transfers in USD, EUR and other currencies. For regular payments, templates can be created directly in the app.
A multi-currency current account for legal entities can be opened within 1 business day at any of Ipak Yuli Bank’s 17 branches. The account can be opened in UZS and foreign currencies (USD, EUR). Currency conversion is available directly in the Ipak Yuli Business app at market rates. The bank performs currency control in accordance with the legislation of Uzbekistan.
While goods are in transit or at customs, Business Express is suitable for supporting working capital — up to $500 000 for up to 120 months. A revolving credit line is also available: the limit is linked to the current account and is automatically restored after repayment.
For managers and employees working with foreign partners, Ipak Yuli Bank offers Visa Platinum Business and Visa Business. The cards support international payments, online transactions, hotel bookings and flight tickets. Card management is available via the Ipak Yuli Business app.
Yes, having a current account with Ipak Yuli Bank is a requirement for trade finance products. The account can be opened within 1 business day. If you already have an account — contact your manager or visit the nearest branch to apply.