Loan purpose

For replenishment of working capital for any purpose;

Borrowers

business entities (individual entrepreneurs, small and medium-sized business entities) — residents of the Republic of Uzbekistan;

Amount

• up to 30% of the annual turnover, but not more than 500 million UZS for borrowers carrying out their business activities for less than 12 months from the date of registration;

• up to 50% of the annual turnover, but not more than 750 million UZS for borrowers carrying out their business activities for more than 12 months from the date of registration;

• up to 60% of the annual turnover, but not more than 1,000 million UZS for borrowers carrying out their business activities for more than 36 months from the date of registration;

• *the calculation of cash turnover is carried out for the last 12 months of activity (only revenue from activity is taken into account)

Currency

National currency - sum;

Disbursement

• in national currency cash — by transferring funds from the Borrower's loan account to the Bank's cash dispensing account with subsequent issuance of cash to the Borrower through the Bank's cash desk in accordance with the established procedure;

• in cashless form in the national currency — by transferring funds from the Borrower's loan account to the Borrower's primary settlement account in accordance with the established procedure;

• in cashless form in the national currency — by transferring funds from the Borrower's loan account to the seller's settlement account in accordance with the established procedure;

Term

up to 36 months;

Grace period

up to 12 months;

Rate

from 24% per annum;

Requirements

• Has a good credit history (if any);

• Stable cash receipts over the last 6 months;

• Serviced through the primary account at PJSB "Orient Finans";

• Operate without losses and have no illiquid balance sheet;

• Credit rating not lower than “BBB”;

• Absence of current overdue debt;

Special conditions

• In the case of providing a loan via a secondary account, the current interest rate increases by 3 (three) percentage points.

• Submission of a business plan is not required. At the same time, the Borrower is obliged to submit a cash flow statement (Cash Flow) indicating the sources of loan repayment.

• It is permitted to conclude a general credit agreement for a period of up to 36 (thirty-six) months, reflecting all terms of loan provision within the framework of this credit product.

• Monitoring of the targeted use of credit funds is not carried out.

• In the event that the financial indicators of the Borrower are negative, the provision of the loan is permitted subject to securing the fulfillment of obligations with a pledge of movable and (or) immovable property. At the same time, the interest rate increases by 2 (two) percentage points depending on the loan term.