Loan Purpose:

Launching or expanding a business in the fields of production, trade, services, or agriculture, as well as replenishing working capital.

Participants

• Small business entities operating for at least 1 year with stable cash flow and a positive credit history

• Individual entrepreneurs, microfirms, or self-employed individuals and business entities transitioning to the microfirm or small enterprise category

Maximum Loan Amount

Up to 300 million UZS (of which up to 150 million UZS — from the funds of the “Entrepreneurship Development Company” JSC, the remaining portion — from the bank’s funds)

Loan Term

Up to 84 months

(but not beyond June 16, 2032)

Grace Period

Up to 36 months

(but not beyond June 16, 2032)

Loan Interest Rate:

Based on the classification of regions (cities and districts):

• 5th category regions — 19%

• 4th category regions — 20%

• 3rd category regions — 21%

• 2nd category regions — 22%

• 1st category regions — 23%

Collateral

Through the company’s pledge deposit.

1. Company Pledge Deposit:

• 5th category regions — 80%

• 4th category regions — 60%

• 3rd category regions — 40%

• 1st–2nd category regions — 20%

2. Insurance policy.

Collateral from the Bank’s Own Funds:

Liquid collateral covering 125% of the loan amount.

Special Conditions:

• The project initiator must have been operating for at least 1 year.

• The total operating period of the consolidated entity must be at least 1 year.

• Self-employed individuals must establish a small business entity, and individual entrepreneurs must establish a legal entity.

• The microfirm must increase total income above 1 billion UZS and qualify as a small enterprise.

• Self-employed individuals and individual entrepreneurs who establish a microfirm or small enterprise after May 1, 2025, must own more than 51% of the equity.

• A positive credit history is required.

• Loan documents must comply with the bank’s credit policy and internal regulations.