Updated: 28-08-2026
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Depending on the cost of the projectloan amount -
from 23,9 %interest rate -
up to 60 monthsloan term
| Indicator | Value / Description |
| Customer Segment | Legal Entities and Individual Entrepreneurs |
| Customer Account | Primary or Secondary |
| Loan Currency | National Currency (UZS) and foreign currency (US dollars) |
| Method of lending | Through an open credit line, based on the master agreement |
| Limit of the Master Agreement | For legal entities – based on the project value; For individual entrepreneurs, as follows: a) Up to 30 times the average monthly account turnover, but not exceeding 5.0 billion UZS b) For clients with no account turnover history – up to 1.0 billion UZS |
| Term of the master agreement | up to 60 (sixty) months |
| Loan amount | Within the limit established under the Master Agreement. |
| Terms and interest rates of individual loan agreements | In national currency: *for customers meeting the following requirements: customers operating for more than 6 months and obtaining a loan equal to or less than their annual turnover (regular turnover); or customers operating for more than 6 months and having annual account turnover (regular turnover) of at least UZS 5 billion. up to 12 months — from 23.9% up to 36 months — from 24.9% up to 60 months — from 25.9% *for customers who do not meet the above requirements: up to 12 months — from 25.9% up to 36 months — from 26.9% up to 60 months — from 27.9% In foreign currency: up to 60 months — not less than 14%. * Loan interest rates may subsequently be changed based on a decision of the Financial Committee. |
| Loan grace period | Within the framework of individual loan agreements – up to 6 months |
| Loan Purpose | For any purpose not prohibited by law |
| Source of financing | From the Bank’s own and/or attracted funds |
| Form of loan disbursement | By transferring funds either to the supplier or to the client’s own account (no verification of the loan’s intended use is required). An amount of up to 1.0 billion UZS may be disbursed in cash. |
| Key requirements for loan disbursement to the client | 1. The customer must have a primary or secondary account within Garant bank JSC; 2. The Statement of Financial Results (Form No. 2) for the latest reporting period or interim (quarterly) period must not show a loss (except for individual entrepreneurs and newly established legal entities*); 3. Own working capital must not have a negative value (except for individual entrepreneurs/newly established legal entities*); 4. No outstanding debt under the “Card File No. 2” account; 5. No outstanding debt under enforcement proceedings initiated by the Bureau of Compulsory Enforcement. 6. Positive credit history: • no current overdue debt; • no outstanding loan balances under court proceedings and no loan principal or interest transferred to off-balance-sheet accounts; • KATM score above 200; • no outstanding loans classified as “unsatisfactory”, “doubtful”, or “loss”; • no overdue loan debt of related enterprises within Garant bank JSC. For loans during the last 12 months: • no more than 3 instances of overdue debt exceeding 60 days; • no more than 2 instances of overdue debt exceeding 90 days, while there must be no overdue debt exceeding 90 days during the last 6 months. ** Newly established legal entities are organizations for which the deadline for submitting financial statements for the financial year has not yet occurred. |
| Product-Specific Collateral | In an amount not less than 125% of the loan amount (130% for related parties) |
| Acceptable types of collateral | 1. Cash funds; 2. Real estate; 3. Vehicles not more than 5 years old from the date of manufacture; 4. Other types of collateral not prohibited by law or the Bank’s current credit policy. * At least 80% of the loan collateral must consist of property (real estate and/or vehicles). |
List of documents required for the use of the loan product:
1. Application;
2. Constituent documents of the borrowing company (registration certificate, charter, order appointing the head, and copies of the passports of the founders, head and accountant (if any));
3. Consent of the founders of the borrowing company to obtain the loan, duly executed in accordance with applicable legislation (except for individual entrepreneurs and private enterprises);
4. The borrowing company’s balance sheet for the latest reporting period or interim (quarterly) period and Statement of Financial Results (except for individual entrepreneurs and newly established legal entities);
5. Report of an independent appraisal organization on the collateral asset;
6. If the collateral asset is real estate — cadastral document (extract and cadastral passport);
7. If the collateral asset is a vehicle — vehicle registration certificate;
8. If the third party pledging the property is a legal entity — consent of the company’s founders to pledge the property as loan collateral, the company’s constituent documents, and copies of the passports of the director and chief accountant (if any) (if the company is serviced by another bank);
9. If the third party pledging the property is an individual — a copy of the passport;
10. If a third-party guarantee is provided: the guarantor’s constituent documents (registration certificate, charter, order appointing the head, and copies of the passports of the founders, head and accountant (if any)), the decision of the founders of the guarantor company to provide the guarantee, cash turnover on all guarantor accounts for the last 12 months, the guarantor company’s balance sheet and Statement of Financial Results for the latest reporting period (annual and quarterly), submitted electronically to the relevant State Tax Service authority, and the guarantor’s credit history (KATM) certificate;
11. Cash turnover on all accounts of the borrowing company with all banks for the last 12 months, confirmed by the bank (if accounts are held with other banks);
12. Purchase and sale agreements for the acquisition of goods (not required when funds are transferred to the customer’s account or disbursed in cash);
13. Additional documents may be requested if necessary.
2. Constituent documents of the borrowing company (registration certificate, charter, order appointing the head, and copies of the passports of the founders, head and accountant (if any));
3. Consent of the founders of the borrowing company to obtain the loan, duly executed in accordance with applicable legislation (except for individual entrepreneurs and private enterprises);
4. The borrowing company’s balance sheet for the latest reporting period or interim (quarterly) period and Statement of Financial Results (except for individual entrepreneurs and newly established legal entities);
5. Report of an independent appraisal organization on the collateral asset;
6. If the collateral asset is real estate — cadastral document (extract and cadastral passport);
7. If the collateral asset is a vehicle — vehicle registration certificate;
8. If the third party pledging the property is a legal entity — consent of the company’s founders to pledge the property as loan collateral, the company’s constituent documents, and copies of the passports of the director and chief accountant (if any) (if the company is serviced by another bank);
9. If the third party pledging the property is an individual — a copy of the passport;
10. If a third-party guarantee is provided: the guarantor’s constituent documents (registration certificate, charter, order appointing the head, and copies of the passports of the founders, head and accountant (if any)), the decision of the founders of the guarantor company to provide the guarantee, cash turnover on all guarantor accounts for the last 12 months, the guarantor company’s balance sheet and Statement of Financial Results for the latest reporting period (annual and quarterly), submitted electronically to the relevant State Tax Service authority, and the guarantor’s credit history (KATM) certificate;
11. Cash turnover on all accounts of the borrowing company with all banks for the last 12 months, confirmed by the bank (if accounts are held with other banks);
12. Purchase and sale agreements for the acquisition of goods (not required when funds are transferred to the customer’s account or disbursed in cash);
13. Additional documents may be requested if necessary.