Working Capital Loan

Submit an application

Cash for individual entrepreneurs

Funds for development without unnecessary formalities

Long terms

Convenient payments without burdening the business

Affordable rates

Save on finances and grow your business

Targeted clientele

Existing and potential clients of the Bank (micro and small enterprises and individual entrepreneurs)

Purpose of the loan

For the purchase of goods (works, services) to replenish working capital and for wage payments

Interest rate (IR) (%)

27% per annum

Max. amount of the loan

1) Legal entities: up to 2,000.0 mln UZS (for Wage Financing Loan: no more than the company’s two-month payroll expenses);
2) Individual entrepreneurs: up to 1,000.0 mln UZS (non-cash);
3) Individual entrepreneurs: up to 650.0 mln UZS (cash). The client’s total liabilities must not exceed these amounts.

Possible currencies

In national currency

Max. maturity

Up to 36 months (up to 45 days for wage payments)

Accepted collaterals

Real estate, vehicles

Grace period for principal repayment

No grace period

Passport

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For legal entities:

Application;
Decision of the authorized body of the borrower to obtain a loan. Copy of the borrower's founding documents with the latest changes for verification of authority;
Accounting reports submitted to the State Tax Service for the latest reporting period;
If the borrower has accounts and obligations in other credit institutions (banks), a certificate from that organization (bank);
Simplified business plan;
Collateral documents.

For individual entrepreneurs:

Application;
Copy of the state registration certificate;
Copies of contracts (excluding trading activities);
Simplified business plan;
If the borrower has accounts and obligations in other credit institutions (banks), a certificate from that organization (bank);
Collateral documents.

Mortgage Bank, within the framework of the small business financing program, offers a wide range of credit products to develop and increase business competitiveness. The lending decision is made based on the real state and prospects of the business, with an individual approach to each client. The interest rate is determined taking into account market conditions and the financial position of the borrower, and interest is calculated on the actual outstanding balance, which reduces client costs.