Loan purpose

Replenishment of working capital in cash;

Borrowers

Business entities — residents of the Republic of Uzbekistan, carrying out business activities for at least 6 (six) months from the date of state registration, whose activities involve the use of cash in the national currency of the Republic of Uzbekistan;

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 Dollar/Euro;

Disbursement

Cash via bank cash desk;

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 23% per annum;

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

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

• from the 37th month at least 26% 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 37th month at least 15% 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 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.