Gap between shipment and payment
Goods are shipped, but payment arrives in 60–90 days — leaving insufficient working capital for the next deal
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
Equipment leasing at Ipak Yuli Bank starts from 500 million UZS for up to 60 months. To apply, visit a bank branch with company documents and financial statements. The bank assesses creditworthiness and offers individual terms. Leasing allows you to use equipment immediately without taking the full amount out of working capital — payments remain fixed throughout the term.
With leasing, you use the equipment while making payments — ownership is transferred at the end of the term. A loan means purchasing the equipment immediately on your balance sheet. Leasing is often more tax-efficient and requires less collateral. Ipak Yuli Bank offers both options: leasing from 500 million UZS up to 60 months, and Business Express loans up to $500 000 for up to 120 months.
For trading companies, Ipak Yuli Bank offers the “Ishonch” loan — up to 100 million UZS for up to 12 months. Applications can be submitted at a bank branch. Decisions are made quickly, and real estate collateral is not required. A revolving credit line is also available: the limit is linked to your current account and is automatically restored after repayment — no need to resubmit documents.
Yes. Ipak Yuli Bank offers FOTON transport loans — up to 1 million USD for up to 48 months — to upgrade cargo and special-purpose vehicles. Express Auto is also available for purchasing new and used vehicles — up to 10 billion UZS for up to 60 months.
Ipak Yuli Bank offers payroll solutions for companies of any size: Uzcard and Visa Oylik cards can be issued for all employees. Salaries are paid in a single operation via the Ipak Yuli Business mobile app — without manual transfers or queues.
With the Ipak Yuli Business mobile app, you can track balances and transactions in real time, create and sign payment documents using a digital signature, make international SWIFT payments, manage corporate cards, and schedule salary payments. The app is available on Android and iOS.
For legal entities, required documents include company registration documents, financial statements, and details of collateral (pledge or guarantee). The exact list depends on the loan type and amount. A bank manager will уточнить the requirements during the initial consultation — visit one of the bank’s 17 branches.