Crediting of small businesses in national currency according to regulation No. 2546 registered in the Ministry of Justice of the Republic of Uzbekistan on December 27, 2013 

Loan recipient

Individual entrepreneurs, micro-firms, small businesses, dehkan farms and family businesses.

Purpose of loan

Creation and replenishment of working capital in entrepreneurship

Loan period

For the creation of working capital for the start of its activities and the development of technical and economic justification of investment projects-up to 12 months

Working capital replenishment-up to 18 months

To replenish working capital for the production of agricultural products-up to 24 months

Interest rate

Under the contract

Amount (base amount to calculate)

According to the submitted project

The pledge

Guarantee of third parties;

Insurance policy on non-repayment of a loan;

Property acquired through credit;

Liquid property;

The guarantee of the state fund for supporting the development of entrepreneurship under the Cabinet of Ministers of the Republic of Uzbekistan;

Other types of collateral under the laws.

Issuing loans through a long-term open line for replenishing working capital of small businesses 

Loan recipient

Legal entities or individual entrepreneurs who have passed state registration and conduct their activities

Purpose of loan

Replenishment of working capital for the acquisition of goods and materials in continuous production and trade

Loan period

Open line lending every 12 months under a master agreement for 36 months

Interest rate

Under contract

Amount (base amount to calculate)

Under the agreement (for business entities having a constant cash flow in the current account)

The pledge

Guarantee of third parties;

Insurance policy on non-repayment of a loan;

Property acquired through credit;

Liquid property;

The guarantee of the state fund for supporting the development of entrepreneurship under the Cabinet of Ministers of the Republic of Uzbekistan;

Other types of collateral under the laws

Loans for small businesses and other legal entities for the purchase of cars 

Loan recipient

Business entities with constant cash flows and the status of legal entities and other legal entities. 

Purpose of loan

Acquisition of cars produced in the Republic of Uzbekistan and in other countries 

Loan period

up to 36 months, with a 3 month grace period. 

Interest rate

Under contract 

Amount (base amount to calculate)

 Depending on the price of the car

The pledge

Guarantee of third parties;

Insurance policy on non-repayment of a loan;

Property acquired through credit;

Liquid property;

Other types of collateral under the laws

depending on the price of the car 

Other conditions

Making a deposit of 30%, if a foreign car is 40%, of the amount of the purchased car without fail. After the purchased car is drawn up as a deposit, the funds in deposits can be used to pay the loan.

Issuing loans to finance investment projects

Loan recipient

Entrepreneurships with the status of legal entity; Issuing loans to finance investment projects 

Purpose of loan

 For the construction of production facilities and firms;

For the construction of buildings;

For the reconstruction, expansion, modernization, equipping with new techniques and technologies of existing business facilities;

For the acquisition of fixed assets for production, machinery and technologies, equipment and vehicles;

Financing the costs of the examination, including the preparation of design estimates for the amount of the loan issued and their adoption for the implementation of the investment project.

Loan period

 Not  less than 36 months

Interest rate

 Under  contract

Amount (base amount to calculate)

 By project cost

The pledge

Guarantee of third parties; Insurance policy on non-repayment of a loan; Property acquired through credit; Liquid property; The guarantee of the state fund for supporting the development of entrepreneurship under the Cabinet of Ministers of the Republic of Uzbekistan; Other types of collateral under the laws

Other conditions

The share of the entrepreneur in the project should be at least 30% and the economic efficiency of the project should be positive.

Loans issued on the basis of the decree of the President of the Republic of Uzbekistan UP-5242 “On measures for the further development of craftsmanship and comprehensive support of artisans” dated November 17, 2017.

Loan recipient

Entrepreneurs who became members of the Union of Hunarmand of the Republic of  Uzbekistan and regional branches, passed state registration as an individual entrepreneur or family entrepreneur. Loans issued on the basis of the decree of the President of the Republic of Uzbekistan UP-5242 “On measures for the further development of craftsmanship and comprehensive support of artisans” dated November 17, 2017. 

Purpose of loan

 Creation and development of activities listed in the list created by the Union "Hunarmand" of the Republic of Uzbekistan

Loan period

 Without the right to extend the microloan, with a grace period of 6 months, not more than 2 years

Interest rate

 The interest rate of a preferential microloan for the purchase of tools and spare parts for production is 50% of the refinancing rate of the Republic of Uzbekistan.

To replenish working capital at the refinancing rate of the Republic of Uzbekistan.

The pledge

Guarantee of third parties; Insurance policy on non-repayment of a loan; Property acquired through credit; Liquid property; The guarantee of the state fund for supporting the development of entrepreneurship under the Cabinet of Ministers of the Republic of Uzbekistan; Other types of collateral under the laws

Other conditions

A loan is issued for business entities that have a recommendation from the Hunarmand Union on the use of microloans in their field of activity.

Issuing loans for women entrepreneurs.

Loan recipient

 Women who wish to engage in specific types of activities and have a written recommendation on concessional lending to the chairman of the committee of women - deputy hakim of the district (city), legal entities, individual enterprises, microfirms, private firms, LLC, dekhkan and farm enterprises considered as small business entities organized by women .

Purpose of loan

 For the creation and development of jur. and individuals organized by women, i.e. women entrepreneurs

Loan period

 With a grace period of up to 1 year no more than 3 years

Interest rate

 7 %

Amount (base amount to calculate)

 For the creation and development of entrepreneurship by women - up to 150 base amount to calculate

Legal entities created by women under the law and having passed state registration - up to 1,500 base amount to calculate

The pledge

Guarantee of third parties; Insurance policy on non-repayment of a loan; Property acquired through credit; Liquid property; The guarantee of the state fund for supporting the development of entrepreneurship under the Cabinet of Ministers of the Republic of Uzbekistan; Other types of collateral under the laws

Other conditions

Concessional loans can be issued up to 3,000 base amounts for calculation with a grace period of up to 2 years with a period of up to 5 years depending on the payback according to the business plan of the project of the issued loan. A loan is not issued to repay previously issued loans and debts, the production of alcohol and tobacco, the development of cattle breeding, the purchase of personal vehicles, the payment of administrative expenses, including the purchase of furniture, a cell phone and payment for mobile services, prohibited activities under the laws of the Republic of Uzbekistan and Central Bank.

The issuance of preferential microloans on the basis of the Decree of the President of the Republic of UP - 3856 “On measures to improve and increase the efficiency of work to ensure employment of the population” dated June 14, 2018

Loan recipient

Small businesses, farm and dehkan farms, family business 

Purpose of loan

 Creating greenhouses, acquiring seeds, livestock and birds, agricultural implements and tools, irrigation equipment (pumps, artesian wells, etc.) for the development of a private garden and production in dekhkan farms;

Acquisition of modern mini-tools and materials for processing and storage of agricultural products, production of non-food consumer goods;

Creation and equipment of firms operating in the areas of services, including household repairs, education, medical, information and communication and other areas with high demand;

Development of home-based labor in areas, especially among women;

Other industries, considering the specialization of regions and cities, available mineral materials, land, agriculture and other resources.

Loan period

 With a grace period of up to 6 months, not more than 3 years

Interest rate

 50% of the Central Bank of the Republic of Uzbekistan re-financing rate

Amount (base amount to calculate)

 Up to 500 base amounts for calculation

The pledge

Guarantee of third parties; Insurance policy on non-repayment of a loan; Property acquired through credit; Liquid property; The guarantee of the state fund for supporting the development of entrepreneurship under the Cabinet of Ministers of the Republic of Uzbekistan; Other types of collateral under the laws

Other conditions

A microloan is issued without collateral for unemployed persons registered in employment centers, citizens who have returned from labor migration, women with difficult marriages, members of low-income families and other needy segments of the population no more than 100 basic amounts for calculating