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Micro-Financing of Your Business Development!

Ipak Yuli Bank, jointly with Asian Development Bank and German Development Bank (KfW), and also by own funding, implements micro-financing development projects in the Republic of Uzbekistan.

Lending is granted to individual entrepreneurs and legal entities, having been operating for at least 6 months, for their business development.

Lending Terms and Conditions

Loan currency:

UZS

Cash/Bank Transfer:

Direct bank transfer to suppliers and manufacturers’ accounts

Loan Limit:

Up to 1,000 minimal monthly rate

Interest Rates:

20-22% per annum

Loan Term:

  • For working capital increase – up to 18 months
  • For acquisition of fixed assets – up to 36 months

Loan Repayment Schedule:

Monthly annuity

Purposes of Loans:

  • Increase in fixed assets and working capital
  • Purchase of motor vehicles for business;
  • Purchase of mini equipment;
  • Production development and expansion
  • Payment of custom fees
  • Primary processing of raw materials

Pledge:

  • Property pledge (non-residential real estate, motor vehicles and others);
  • Jewelry;
  • Third party’s indemnity;
  • Insurance policy in favor of a bank in case of a borrower’s failure to repay a bank loan;
  • Bank guarantee or an insurance company’s indemnity;
  • Other security, provided by the law.

List of Documents for loan application:

  1. For individual entrepreneurs

    • Passport of an individual entrepreneur;
    • State registration certificate of an individual entrepreneur;
    • A document proving that a counterparty has an office to carry his business activity (a leasing contract / a cadastre book);
    • Bank confirmation letter on a borrower’s payables and payment claims registered in File No. 2;
    • Active deposit accounts turnover balance report for last year;
    • Contracts to buy goods/services by means of borrowed funds;
  2. For Legal Entities:

    • State registration certificate of a legal entity;
    • Incorporation documents of a legal entity;
    • Business plan;
    • Бизнес-план;
    • Documents confirming the founders’ consent to receive a bank loan;
    • Documents authorizing a person to sign a loan agreement on behalf of the borrower in case if the person represents the borrower, a specimen card;
    • A document proving that a counterparty has an office to carry his business activity (a leasing contract / a cadastre book);
    • Borrower’s Balance Sheet (Form No.1) for a last reporting period, submitted to appropriate state tax authorities, as well as Closing Balance receivables and payables reconciliation list for a period of over 90 days, Income Statement (Form No.2), except for newly founded legal entities, and agricultural farms not having status of legal entities;
    • Bank confirmation letter on a borrower’s payables and payment claims registered in File No. 2;
    • Active deposit accounts turnover balance report for last year;
    • Contracts to buy goods/services by means of borrowed funds;
    • Документы по предоставляемому обеспечению:
      • For motor vehicles – a registration passport, an owner’s passport and tax ID number;
      • For real estate – a cadastre book, an owner’s passport and tax ID number.
    • Other documents may be requested by the bank if necessary.

Loan Repayment

Loans issued for business development shall be repaid by annuity on a monthly basis. The principal amount and interest shall be paid simultaneously.

For example:

  • Loan amount – UZS 10,000,000.00
  • Repayment term – 12 months
  • Interest rate – 22% per annum

Loan repayment schedule:

MonthRepayment amount (UZS)
1 936,864.00 (principal amount + %)
2 936,864.00 (principal amount + %)
3 936,864.00 (principal amount + %)
4 936,864.00 (principal amount + %)
5 936,864.00 (principal amount + %)
6 936,864.00 (principal amount + %)
7 936,864.00 (principal amount + %)
8 936,864.00 (principal amount + %)
9 936,864.00 (principal amount + %)
10 936,864.00 (principal amount + %)
11 936,864.00 (principal amount + %)
12 936,864.00 (principal amount + %)
Total11,242,366.00 (10,000,000.00 + 1,242,366.00)