Loan «Optima»
Inappropriate provision of loans to legal entities (with the exception of individual entrepreneurs)
Updated: 28-08-2026
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6,000,000,000 sumsLoan Amount -
from 25 %Interest Rate -
Up to 60 monthsLoan term
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| Indicator | Value/Description |
| Customer segment | Business entities |
| Key Requirements for Loan Issuance | 1. The customer must have a primary or secondary account within Garant bank JSC; 2. The customer must have a positive credit history; 3. The Statement of Financial Results (Form No. 2) for the latest reporting period must not show a loss (except for newly established legal entities); 4. The customer’s own working capital indicator must not be negative (except for newly established legal entities); 5. No outstanding debt under the “Card File No. 2” account; 6. No outstanding debt under enforcement proceedings initiated by the Bureau of Compulsory Enforcement. *Newly established legal entities are organizations for which the deadline for submitting annual financial statements has not yet occurred. |
| Lending method | Through a closed credit line |
| Loan Amount | Up to 6,000,000,000 (six billion) sums |
| Loan Term | Up to 60 months |
| Grace Period | Up to 6 months |
| Loan Purpose | The principle of targeted use is not applied |
| Loan Currency | National currency (UZS) |
| Lending Form | Credited to the client’s primary or secondary account opened in the JSC “Garant bank” system via transfer or cash withdrawal from the bank’s cashier. |
| Minimum Interest Rate on the Loan | *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 36 months — from 25% Up to 60 months — from 26% *For customers who do not meet the above requirements: Up to 36 months — from 27% Up to 60 months — from 28% *Loan interest rates may subsequently be changed based on a decision of the Financial Committee. |
| Loan Collateral | At least 125% of the loan amount (130% for affiliated persons) |
| Permissible 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. |
Documents
List of Documents Required for Obtaining a Loan
1. Application;
2. Constituent documents of the borrower company (certificate, charter, order appointing the head, and copies of passports of the founders, head and accountant, if any);
3. Consent of the founders of the borrower company to obtain the loan, duly executed in accordance with applicable law (except for private enterprises);
4. The borrower company’s balance sheet for the latest reporting period or interim (quarterly) balance sheet and Statement of Financial Results (except for newly established companies);
5. Report of an independent appraisal organization on the collateral asset;
6. If the collateral is real estate — cadastral documentation (extract and cadastral passport);
7. If the collateral consists of vehicles or special-purpose machinery — vehicle registration certificate (technical passport / registration card);
8. If a third party providing property as collateral 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 company director and chief accountant (if any), where the company is serviced by another bank;
9. If a third party providing property as collateral is an individual — a copy of the passport;
10. Cash turnover for the last 12 months on all accounts of the borrower company held with all banks (except for newly established companies), certified by the bank (if accounts with other banks exist).
11. Additional documents may be requested if necessary.
2. Constituent documents of the borrower company (certificate, charter, order appointing the head, and copies of passports of the founders, head and accountant, if any);
3. Consent of the founders of the borrower company to obtain the loan, duly executed in accordance with applicable law (except for private enterprises);
4. The borrower company’s balance sheet for the latest reporting period or interim (quarterly) balance sheet and Statement of Financial Results (except for newly established companies);
5. Report of an independent appraisal organization on the collateral asset;
6. If the collateral is real estate — cadastral documentation (extract and cadastral passport);
7. If the collateral consists of vehicles or special-purpose machinery — vehicle registration certificate (technical passport / registration card);
8. If a third party providing property as collateral 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 company director and chief accountant (if any), where the company is serviced by another bank;
9. If a third party providing property as collateral is an individual — a copy of the passport;
10. Cash turnover for the last 12 months on all accounts of the borrower company held with all banks (except for newly established companies), certified by the bank (if accounts with other banks exist).
11. Additional documents may be requested if necessary.