Loan purpose

For replenishment of working capital for any purpose in cashless form;

Borrowers

Business entities are residents of the Republic of Uzbekistan carrying out business activities for at least 6 months from the date of registration;

Amount

• up to 5.0 billion UZS in the national currency;

• up to 400 thousand US Dollars/Euros;

Currency

• National currency — UZS (Soum);

• Foreign currency — US Dollars/Euros

Disbursement

• 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;

• When issuing a loan in foreign currency — by selling (converting) credit funds in foreign currency into the national currency of the Republic of Uzbekistan with subsequent crediting to the Borrower's primary settlement account in accordance with the established procedure.

Term

up to 60 months;

Grace period

• up to 6 months if the loan term is up to 12 months;

• up to 9 months if the loan term is up to 24 months;

• up to 12 months if the loan term is up to 36 months;

• up to 18 months if the loan term is up to 60 months;

Rate

When issuing a loan in the national currency:

• up to 12 months at least 22% per annum;

• from 13 to 24 months at least 23% per annum;

• from 25 to 36 months at least 24% per annum;

• from the 36th month at least 25% per annum;

When issuing a loan in foreign currency:

• up to 12 months at least 12% per annum;

• from 13 to 24 months at least 13% per annum;

• from 25 to 36 months at least 14% per annum;

• from the 36th month at least 15% per annum;

Requirements

• Has a good credit history (if any);

• Stable cash receipts;

• 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 60 (sixty) 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.

• In the event that the Borrower has been carrying out its business activities from the date of state registration for less than 6 (six) months, the provision of the loan is carried out exclusively against a pledge of movable and (or) immovable property. At the same time, the interest rate increases by 1 (one) percentage point depending on the loan term.