Loan Product “Tadbirkor ayol”

№

Indicators

Basic Terms

1

Service Users

Female entrepreneurs operating as individual business entities

(The age of the Individual Entrepreneur (IE) shall not exceed 60 years)

Clients operating as legal entities where women hold at least a 50 percent ownership stake and (or) where the executive head is a woman

2

Loan Amount

1. Up to 1 000 BCV (as of today up to UZS 412 million)
2. From 1 000 BCV to 4 000 BCV (as of today up to UZS 1 648 million)

From 4 000 BCV to 25 000 BCV (as of today up to UZS 10 300 million)

Note: (Effective August 1, 2025, the Base Calculating Value (BCV) is set at UZS 412,000; the loan amount is adjusted accordingly based on changes in the BCV)

3

Loan Term

A) For working capital replenishment:

Up to 24 months (with a principal grace period of up to 6 months)

B) For the purchase of fixed assets and equipment, performance of construction works, and other purposes:

Up to 7 years (with a principal grace period of up to 3 years)

4

Interest Rate (annual)

24 percent (*CBU Key Rate + 10,0%)

*The interest rate is set based on the Central Bank's key rate as of the loan disbursement date.

5

Loan Purpose

For small and medium-sized enterprises (SMEs) operating in manufacturing, service, trade, and agricultural sectors:

- the purchase of manufacturing equipment, performance of construction works, and acquisition of fixed assets (including 'industrial mortgage' facilities) and fixtures, as well as working capital replenishment;

- the purchase of motor vehicles for commercial use;

- the establishment of trade and service outlets;

- vocational training of women, including the establishment of educational services and training centers in digital technologies and foreign languages, as well as other purposes not prohibited by law.

6

Loan Security

As property collateral:

- Deposits;

- Motor vehicles;

- Movable and immovable property;

 - Guarantees from the Joint-Stock Company “National Company for Business Guarantees” (subject to established terms);

- Third-party guarantees and/or a Non-Payment Insurance Policy may be submitted as additional security;

- Property collateral shall be provided in an amount of at least 125% of the loan value. In this case, assets are accepted as collateral based on the conclusion of the Problem Assets and Collateral Management Department.

7

Documents Required from the Customer

Application

Business Plan

Financial statements

Constituent documents (Certificate, Charter, Foundation Agreement)

Founders' Resolution authorizing loan acquisition and collateral provision

Cadastral documents of the business premises (if owned) or Lease Agreement 

Other required documents