Loan «BUSINESS ONLINE»
The product is under development and operating in test mode.
Updated: 17-11-2025
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up to 100 000 000 UZSloan amount -
28%interest rate -
up to 12 monthsloan term
| Indicator | Value / Description |
| Loan Purpose | To individual entrepreneurs with stable sales revenue and business entities with the status of a legal entity, a loan for the replenishment of working capital is disbursed via the "Mobile banking" application and "Internet banking" for a period of up to 12 (twelve) months, upon approval of an online "scoring" analysis and an offer credit agreement, by transferring the funds to the client's primary settlement account. |
| Customer Segment | All types of legal entities and individual entrepreneurs |
| Requirements for credit history and account turnover | 1. Absence of current overdue loan indebtedness; 2. Absence of active loans classified in the categories of "Unsatisfactory," "Doubtful", and "Loss"; 3. Must have a continuous cash inflow through the account (within the "Garant Bank" JSC system) for the last 6 months. |
Loaning Method | Open Credit Line (Revolving Credit Facility) |
| Loan Amount | Up to 100,000,000 (one hundred million) Uzbek Soum |
| Loan Period | Up to 12 (twelve) months, with the condition of revolving utilization |
| Grace Period | Up to 1 (one) month |
| Loan Currency | National Currency (Soum) |
| Source of Financing | The Bank's own funds and/or borrowed funds |
| Procedure for Scoring and Method of Credit Disbursement | The loan is granted online to the borrower's primary or secondary bank account based on online scoring in an amount equal to six times the average monthly incoming turnover credited to the account over the last six consecutive months, after deducting the borrower's monthly payments on existing loan obligations, but not exceeding UZS 100,000,000 (one hundred million). |
| Loan Interest Rate | 28% annually |
| Interest Calculation | Interest is calculated daily at a fixed rate and repaid according to the established schedule in a differentiated payment method. |
| Principal and Interest Repayment Period | Principal and interest payments are due monthly; the loan schedule provides a 1 (one) month grace period for principal repayment, and the remaining payments are equally distributed over 11 (eleven) months. |
| Collateral for the product | As collateral for the loan, an insurance policy covering the risk of loan default, issued by an insurance company, is accepted online for 50% of the loan amount. The remaining 50% of the loan is granted on an unsecured basis (based on trust). The terms and conditions of the insurance agreement must be specified in the Master Agreement or the public offer. Prior to loan disbursement, the insurance premium is paid by the Bank (through account 199__) and is subsequently reimbursed from the loan proceeds. |
| Additional terms | This Product Passport is governed by the Law of the Republic of Uzbekistan "On Banks and Banking Activities", the Central Bank's Requirements for Internal Regulatory Documents of Commercial Banks (Registration No. 916 dated April 5, 2000), as well as the Credit Policy of JSC "Garant bank" and other internal regulatory documents of the Bank governing lending activities. |
No physical documents are submitted to the bank to utilize the credit product, and all processes are carried out online via the “Internet banking” and “Mobile banking” application.
The borrower's creditworthiness is assessed online via the bank's "Mobile banking" application and "Internet banking" based on the borrower's continuous account turnover for the last 6 months as well as the criteria specified in this passport.