| Product category | To replenish working capital |
| Product type | Loan |
| Agro / non-agro | Non-agro |
| Business line (segment) | Micro and Small Enterprises |
| Client | Legal entities and individual entrepreneurs |
| Targeted clientele | Existing and potential clients of the bank (micro and small enterprises and private entrepreneurs) |
| Start-up | No |
| Current account history at the Bank | 1) Existing-to-Bank clients (ETBc) 2) New-to-Bank clients (NTBc) |
| Purpose of the loan | For the purchase of goods (works, services) to replenish working capital and for wage payments |
| Maximum loan amount | 1) For legal entities — up to 1,250.0 million UZS (for wage loans — no more than two months' salary) 2) For private entrepreneurs — up to 650.0 million UZS The client’s total liabilities must not exceed these limits. |
| Minimum loan amount | 1) For legal entities — 50.0 million UZS 2) For private entrepreneurs — 25.0 million UZS |
| Possible currencies | National currency (UZS) |
| Interest rate (p.a.) | 29% per annum |
| Type of maturity | Non-revolving |
| Maximum maturity | Up to 36 months (45 days for wage loans) |
| Accepted collaterals | Real estate and vehicles |
| Frequency of interest payments | Monthly payments (for wage loans — at the end of the term) |
| Disbursement method | 1) Funds transferred to supplier’s account, either one-time or in stages. 2) In cash — for self-employed clients operating in bazaars (only through service centers approved by the Risk Analysis and Modeling Directorate). 3) Wage loans transferred to the client’s main account. |
| Grace period | No grace period |
| Repayment method | Annuity or differential |
| Principal repayment frequency | 1) Monthly payments. 2) For wage loans — repayment at the end of the loan term. |
| Early repayment | Allowed without penalty |
According to the Small Business Financing Program, Ipoteka Bank presents a wide range of business loans for your consideration.
The bank’s product line allows solving any tasks related to business development and ensuring its competitiveness.
When making a decision to grant a loan, Ipoteka Bank relies on accurate information about the real state of the borrower’s business. The main focus is on the development prospects of the business proposed for financing rather than on formal indicators.
An individual approach to each client allows Ipoteka Bank to offer small business loans on the most favorable terms.
The interest rate for the use of loan funds is determined based on market conditions and the financial situation of the borrower. Interest is charged on the remaining loan balance, allowing clients to avoid additional costs.