Loans for business

to replenish working capital for business activities

soum/US dollar

not required

up to 36 months

bank branch

for goods/services based on the contract

an insurance policy covering the risk of non-repayment issued by an insurance company acceptable to the bank

yes
up to 6 months

differential, annuity

monthly

1. The Borrower's financial activities for the annual and most recent quarterly reporting periods must not have ended with a loss
Exceptions are made only if the loss is justified with accurate and credible data
2. The Borrower's working capital for the annual and most recent quarterly reporting periods must not show a negative value
Exceptions are made if the Borrower substantiates these indicators with accurate and credible data
3. There must be no overdue loan liabilities for existing loans or equivalent operations
4. For the last 12 months regarding loans:
No more than 2 overdue liabilities exceeding 30+ days
No more than 1 overdue liability exceeding 60+ days
No overdue liabilities exceeding 90+ days
5. Related entities under the Borrower's control must not have overdue loans within the "ASIA ALLIANCE BANK" JSCB
6. According to the Borrower’s credit history report (KATM), the Borrower and its related entities must not have active loans classified as "unsatisfactory," "doubtful," or "hopeless" in the "ASIA ALLIANCE BANK" JSCB or with any commercial bank
7. The Borrower must not have any current loans in the "ASIA ALLIANCE BANK" JSCB with rescheduled intermediate or final payment deadlines
8. The Borrower must not have instances of non-compliance with conditions set by a collegial body or related obligations in the "ASIA ALLIANCE BANK" JSCB
General cases of non-compliance or failure to meet deadlines are excluded
9. The Borrower must not have cases of misusing loan funds in the "ASIA ALLIANCE BANK" JSCB
Inspections are conducted based on reports of purposeful use of loan funds. Loans where verification is unnecessary due to the product specifics or unresolved disputes with suppliers are excluded from this condition
10. The Borrower must not have outstanding amounts under an enforcement case initiated by the Mandatory Enforcement Bureau
11. Loan applications will be denied if, in the last 3 years, the Borrower faced claims in economic courts that were partially or fully satisfied regarding loan services
12. Loan amounts exceeding the set limits, interest rates, or any conditions deviating from those outlined in the product passport will not be accepted as Modular Loans

via transfer to accounts opened in the system of “ASIA ALLIANCE BANK” JSCB

for legal entities
loan application
founding documents
information about the company's management and founders
consent/decision of the founders regarding obtaining a loan and/or providing collateral
account turnover statements from other banks
information about existing obligations
for individual entrepreneurs:
loan application
certificate of registration
copy of passport
documents confirming the location of business operations
financial calculations prepared by the client, justifying the repayment of loan funds, including cash flow forecasts
other documents related to the implementation of the project

not required

the amount of loans provided to the borrower in the "ASIA ALLIANCE BANK" JSCB solely based on insurance policy security must not exceed:
500.0 million UZS for entrepreneurial entities with legal entity status
300.0 million UZS for individual entrepreneurs without legal entity status
Additionally, under control criteria, the total outstanding loans secured solely by insurance policies, including those issued to a single borrower or a group of interconnected borrowers, must not exceed 1.0 billion UZS.

possibly

possibly

possibly

not required

27.99% annually in local currency for terms up to 12 months
30.00% annually in local currency for terms between 12 and 24 months
32.00% annually in local currency for terms between 24 and 36 months
14.99% annually in foreign currency for terms up to 12 months
16.00% annually in foreign currency for terms between 12 and 24 months
18.00% annually in foreign currency for terms between 24 and 36 months