First step to business

Microloans for self-employed individuals to start a business.

10 000 000 sums
loan amount
25 %
interest rate
up to 12 months
loan term

Indicator	Value/Description
Self-Employed Individuals	Individuals independently engaged in activities aimed at earning labor income, providing services to individuals and legal entities, performing work based on personal labor, and not registered as individual entrepreneurs. They are registered with the State Tax Service with the right to accrue work experience and apply incentive benefits.
Client Segmentation	Citizens of the Republic of Uzbekistan aged 18 and older, registered with the State Tax Service, as well as self-employed individuals.
Requirements for a Good Credit History	1. No overdue debt; 2. No outstanding loan balances subject to litigation, including principal and interest amounts transferred to an off-balance sheet account; 3. Credit Information Analysis Center (KIAC) score above 200 points; 4. No active loans classified as "unsatisfactory," "doubtful," or "hopeless"; For loans obtained within the last 12 months: o No more than five overdue payments exceeding 60 days; o No more than two overdue payments exceeding 90 days.
Loan Amount	10 000 000 (ten million) sums
Loan Term	Up to 12 months
Grace Period	Not applicable
Loan Purpose	For the needs of self-employed citizens of the Republic of Uzbekistan aged 18 and older
Minimum Interest Rate on the Loan	25 %
Loan Collateral	At least 125% of the loan amount. The following types of collateral are accepted: 1. Third-party guarantee from an individual with official income; 2. Other types of collateral not prohibited by law and the bank’s current credit policy. Loan collateral requirement for individuals affiliated with the bank – 130%.