Credits

Type and name of the credit product

Allocation of loans to business entities from the foreign credit line "BlueOrchard Microfinance Fund"

Requirements for borrowers

Business entities that are residents of the Republic of Uzbekistan (enterprises and organizations with the status of a legal entity, as well as individual entrepreneurs).

Loan currency

National currency of the Republic of Uzbekistan - som

US dollars

Loan amount

Up to 2,000,000.00 US dollars

Up to the equivalent amount in US dollars within these limits when allocated in national currency

Loan purpose

• To replenish working capital
• To purchase fixed assets

Loan term

  Up to 36 months (with a grace period of up to 6 months) to replenish working capital

 Up to 60 months (grace period up to 12 months) for the acquisition of fixed assets

Interest rate

For som equivalent - 28-30%

For US dollars - 12-14%

Disbursement method

Via bank transfer.

The loan is not allocated for the following purposes:

• Production or export of tobacco or alcoholic beverages;
• Sale of tobacco or strong alcoholic beverages (except in cases where these activities are auxiliary to the main activity of the enterprise);
• Speculative investments in real estate or currency;
• Enterprises that cause harm to the environment;
• Other types of activities prohibited by credit policy;

Required documents

• Loan application;
• Constituent documents, charter, certificate, information about the founders and management of the enterprise, minutes of the meeting on obtaining a loan and providing collateral;
• Contracts for goods, works, and services;
• Business plan;
• Balance Sheet, Income Statement Form 1, Form 2;
• Collateral documents;

Loan security

Liquid property that meets the bank's requirements, insurance policy, and other types of collateral amounting to not less than 125% of the loan amount.

For loans allocated to persons affiliated with the bank, collateral of 130% is required.

Loan repayment procedure

Repayment of the loan and accrued interest is carried out using the annuity or differential payment method in the manner and under the conditions established by the loan agreement.

Additional terms

• The borrower must have a permanent place of business activity;
• Have a positive credit history;
• Have positive balance sheet and cash flow analysis indicators;

Type and name of credit product:

Allocation of loans to business entities through the foreign credit line "Simbiotics"

Requirements for the borrower:

Business entities (enterprises and organizations with the status of a legal entity, as well as individual entrepreneurs) that are residents of the Republic of Uzbekistan

Loan currency

National currency of the Republic of Uzbekistan - sum

US Dollars

Loan amount

Up to 2,000,000.00 US dollars

When allocated in national currency - within these limits up to the amount equivalent in US dollars

Loan purpose

• · To replenish working capital
• · To acquire fixed assets

Loan term

Up to 36 months (grace period of up to 6 months) for replenishing working capital

Up to 60 months (grace period of up to 12 months) for acquiring fixed assets

Interest rate

In sum equivalent - 28-30%

In US dollars - 12-14%

Form of provision

By money transfer

The loan is not allocated for the following purposes:

• Production or export of tobacco or alcohol products;
• Sale of tobacco products or strong alcoholic beverages (except in cases where these activities are auxiliary to the main activity of the enterprise);
• Speculative investments in real estate or currency;
• Enterprises that harm the environment;
• Other types of activities prohibited by the credit policy;

Required documents

• Loan application;
• Founding documents, charter, certificate, information about the founders and management of the enterprise, minutes of the meeting on obtaining a loan and providing collateral;
• Contracts for goods, works, and services;
• Business plan;
• Balance sheet, statement of financial results in Form 1 and Form 2;
• Collateral documents;

Loan security

Liquid property, insurance policy, and other types of collateral that meet the bank's requirements, in the amount of at least 125% of the loan amount.

For loans allocated to individuals affiliated with the bank, collateral of 130% of the loan amount is accepted.

Procedure for loan repayment

Repayment of the loan and accrued interest is carried out by annuity or differentiated payment method in the manner and under the conditions established by the loan agreement.

Additional conditions

• The business entity receiving the loan must have a permanent place of business activity;
• Positive credit history;
• Positive indicators in the analysis of balance sheet and cash flows;

Qulay

Requirements to the borrower:

Business entities (enterprises and organisations with legal entity status)

Credit currency:

National currency of the Republic of Uzbekistan - sum

Loan amount:

Up to 600 million soums

Loan purpose:

- For replenishment of working capital;

- for acquisition of fixed assets;

- for construction and repair;

- for payment for works and services performed;

Loan term:

- For acquisition of fixed assets:

Up to 36 months with a grace period of up to 6 months;

- to replenish working capital

- for construction and repair

- for payment for work and services performed

up to 36 months with a grace period of up to 3 months;

Interest rate on the loan:

32% per annum

The interest rate on the loan may be reduced depending on the financial position of the client.

Form of granting: cash

Required documents:

- loan application;

- constituent documents, charter, certificate, information on the founders and management of the company, minutes of the meeting on obtaining a loan and providing collateral;

- business plan;

- balance sheet, report on financial results according to Form 1, Form 2;

- collateral documents;

Loan collateral:

Not less than 125% of the loan amount, liquid property, insurance policy and other types of collateral meeting the bank's requirements.

* For loans granted to persons related to the bank, a 130% pledge is accepted.

Loan repayment procedure:

The repayment of the loan and accrued interest shall be made by annuity and differentiated payment method in accordance with the procedure and on the terms and conditions established by the loan agreement.

Additional conditions:

* the borrower wishing to obtain a loan must carry out activities for at least 3 (three) months;

* the borrower must not be engaged in activities prohibited by law;

* the borrower must have a positive credit history.

Factoring 

Validity period: up to 90 days

One-time fee:

up to 30 days - 2.5%

31-60 days - 5.0%

61-90 days - 7.5%

Interest rate:

up to 30 days - 28%

31-60 days - 29%

61-90 days - 30%

No collateral is required.

Supplier (Bank Customer)

Requirements:

- Stable customer relationships;

- Stable financial position;

- Stable production;

Maximum amount:

Not more than 30% of the Supplier's monthly revenue and not more than 30% of total receivables

Documents required for financing:

- Application;

- Constituent and other documents (charter, certificate, executive order, decision of founders and others)

- Delivery contract with deferred payment;

- Information on current accounts in other banks;

- Annual and operational financial statements;

- Documents confirming shipment of goods (invoice, register, reconciliation act).

Buyer (Debtor)

Requirements:

- Positive credit history;

- Positive balance sheet indicators;

- Main current account must be with Universal Bank.

Maximum amount:

The limit is set depending on the financial condition of the debtor.

Documents required for financing:

- Accepted demand;

- Written consent for direct debit from the account;

- Tripartite signed register.

Requirements to the borrower: 

Business entities (enterprises and organisations with the status of a legal entity, as well as individual entrepreneurs)

Form of granting:

By transfer of funds according to the contract.

Required documents:

- Application for a loan;

- Constituent documents, charter, certificate, information on founders and management of the enterprise, minutes of the meeting on obtaining a loan and providing collateral;

- Contracts for goods, works and services;

- Business plan;

- Balance sheet, report on financial results according to Form 1, Form 2;

- Collateral Documents.

Credit security:

* Liquid property worth not less than 125% of the loan amount, meeting the bank's requirements;

* For loans granted to persons related to the bank, a pledge in the amount of 130% of the loan amount is accepted.

Loan repayment procedure:

Repayment of the loan and accrued interest shall be made by annuity payments in accordance with the procedure and under the terms and conditions specified in the loan agreement.

Additional conditions:

* Creation of additional jobs;

* Availability of a positive credit history;

* Presence of a permanent place of activity of the subject of entrepreneurship - the loan recipient;

* Availability of positive indicators on balance sheet and cash flow analysis.

“Good customer 500”

Loan purpose:

Expansion of entrepreneurial activity

Loan amount:

up to 500 000 000 (five hundred million) UZS

Loan term:

36 months

with a grace period of up to 3 months

Interest rate:

30 per cent per annum

“Good customer 300”

Loan purpose:

Expansion of entrepreneurial activity

Loan amount:

up to 300 000 000 (three hundred million) UZS

Loan term:

36 months

with a grace period of up to 3 months

Interest rate:

30 per cent per annum

“Good customer 100”

Loan purpose:

Expansion of entrepreneurial activity

Loan amount:

up to 100 000 000 (one hundred million) UZS

Loan term:

36 months

with a grace period of up to 3 months

Interest rate:

30 per cent per annum

Other types of financing:

Factoring

Bank guarantee

Leasing

Factoring operations are a type of banking services provided for the financing of supplier business entities,in which, on the basis of payment applications accented by payers for goods sent by them, work performed or services rendered, but not executed by them, the bank gives the financial agent the right to claim payments without the right of regress. Factoring operations are carried out on the basis of contracts with customers with basic deposit accounts, which are required in the JSCB "Universal bank".

To get more detailed information, contact our call center and we will gladly help you.

Credit allocation to business entities:

Requirements for the borrower: business entities ( enterprises and organizations with the status of a legal entity and individual entrepreneurs)who are residents of the Republic of Uzbekistan

Credit currency: national currency of the Republic of Uzbekistan and foreign currency

Loan amount: up to 25% of bank capital of Level 1

Credit purpose: - to replenish working capital, to purchase the main tool, to finance investment projects. 

Loan term: for replenishment of working capital-up to 36 months, for the purchase of the main tool - up to 60 months, for financing investment projects-up to 60 months

Form of submission: through the transfer of money.