It has the status of a resident of the Republic of Uzbekistan.

The presence of existing profitable business.

The presence of a primary or secondary demand deposit account with PJSCB ORIENT FINANCE.

Place of registration and business in the region of presence of PJSB ORIENT FINANCE.

Having a positive credit history

Own participation in the project of at least 25 percent is welcome.

Time and formal business registration of at least 12 months is welcome.

Enterprises operating at a loss, having an illiquid balance, are not eligible for lending.

freight and passenger vehicles;

equipment for various purposes;

special equipment for various purposes;

trailers and semi-trailers;

office rooms;

industrial premises;

warehouses;

shopping areas (shops, shopping centers);

other fixed assets used in business.

The loan amount depends on the financial condition of the potential borrower, the volume of its business and the source of loan repayment.

Loan term - up to 60 months.

Interest rate * - depending on the loan term.

Loan currency - Uzbek sum and foreign currency **.

Terms of repayment of interest on the loan - monthly, interest is calculated on the actual balance of the loan debt.

Terms of repayment of the principal amount of the loan: monthly in equal installments or an individual schedule is established in accordance with the peculiarities of the financial and economic activities of the potential borrower.

The possible grace period during which the principal amount of the loan is not repaid is up to 6 months.

Early repayment of the loan is allowed, fines and fees for early repayment are not collected.

Loan security: the security may be a pledge of property, including personal and third parties of both legal entities and individuals:

the property;

motor transport;

deposit both national and in foreign currency;

special equipment;

other liquid property.

Possible combined pledge. The pledge is accepted for a total amount of 125% of the loan amount using a discount. The size of the discount depends on the type of property, its value and loan period.

* There are no additional hidden fees and charges to the Bank on the loan.
** Credits in foreign currency are provided only if there is a stable currency proceeds from export operations sufficient to repay the loan.

Documents are provided in original form or copies. The form is indicated in the name of the document.

All copies must be marked “true copy”.

1. Original application. It is signed and sealed by the client.
   
2. A copy of the charter and constituent documents of the enterprise with all the changes.
   
3. A copy of the documents confirming the right of a person to sign a loan agreement on behalf of the borrower, if the person is a representative of the borrower, samples of signatures.
   
4. The original protocol decisions of the founders - for a loan, indicating the amount, term, purpose, interest or fees for obtaining a loan, indicating the type of security and the appointment of a responsible person for the execution of loan documents and other security documents.
   
5. A copy of the financial statements of the company (form №1 and 2) with a note by the tax Inspection on the acceptance of reports for the last reporting period (if necessary, operational financial reports without a mark on the acceptance of the STI). If there are overdue debitor or creditor obligations, a transcript of debitor or creditor obligations in the context of contractors, indicating the sum and terms of formation, reconciliation acts for overdue debitor obligations or a court decision.
6. Original business plan with a detailed description of the production plan, financial plan, analysis of the market situation, pricing policy, project risk assessment, forecast of cash receipts on a deposit account until the borrower’s demand for the crediting period (cash flow) of the order portfolio structure and justification of the sales market provided services.
   
7. Security documents.
   

1. Copy of cadastral documents.
2. A copy of the certificate of state registration of rights to buildings and structures.
   
3. A copy of the certificate of state registration of rights to land.
   
4. The original report on the market value of real estate independent valuation company.
   
5. A copy of the certificate in the form №4 from the cadastre on real estate
   
6. Original decision of the authorized body of the legal entity on consent to the provision of pledge.
   
7. The original power of attorney for the person authorized to enter into a pledge agreement on behalf of the enterprise (if the pledge agreement is not signed by the head of the enterprise).
   

1. A copy of the charter, the memorandum of association, all amendments to the charter and the memorandum of association
2. A copy of the power of attorney for the person authorized to enter into a pledge agreement on behalf of the enterprise (if the pledge agreement is not signed by the head of the enterprise).
   

1. Copy of documents on equipment (technical passport, etc.).
   
2. A copy of the documents certifying the ownership of the equipment to the owner (GTD IM40, contract of sale or invoice, etc.).
   
3. Original report of an independent appraisal company (with the exception of cases stipulated in the credit policy).
   

Original report of an independent appraisal company (with the exception of cases stipulated in the credit policy).