exclusive to new customers 
Loan amount
Up to 1 billion soums
Credit rate
18.99% annual
Loan term
up to 7 years
Useful information
Loan currency
National currency of RUz – soum
Loan term
up to 84 months for clients with stable annual revenue* over 12 months;
up to 36 months for clients with stable annual revenue over 6 months.
*Stable annual revenue - regular, monthly receipts to the client's settlement accountа
up to 36 months for clients with stable annual revenue over 6 months.
*Stable annual revenue - regular, monthly receipts to the client's settlement accountа
Possibility of establishing a preferential period of repayment of the principal debt
Not available
Interest rate
18.99%
Мinimal loan amount
Not established
Maximal loan amount
up to 30% of annual revenue*
but not more than 1 000 000 000,00 (one billion) soums
Loan repayment
Monthly, with annuity payments
Acceptable types of provision
The provision must be provided in the form of liquid assets or another type of security acceptable to the Bank, and must cover at least 125% of the principal debt on the credit transaction.
Provision percentage
- for loans up to and including 500,000,000 soums, the provision must consist of an insurance policy in the amount of 50% of the loan amount and a guarantee from the enterprise's founder (founders) in the amount of 75% of the loan amount;
-
for loans exceeding 500,000,000 soums, the provision must consist of an insurance policy in the amount of 50% of the loan amount and liquid property in the amount of 75% of the loan amount.
The total cost of the provision must be at least 125% of the loan amount.
For persons related to the Bank, the total provision value must be at least 130% of the loan amount.
Mandatory requirements for borrowers
- The term of state registration of the Borrower as a business entity is at least 6 months;
- Business entities registered in accordance with the procedure established by the legislation of the Republic of Uzbekistan;
- Availability of a demand deposit account (primary or secondary*) at "InFinBank" JSC;
- The absence of a negative credit history for the Borrower / Guarantor;
- Failure to replace the director and/or founder within the last three months;
-
other requirements for the potential Borrower/Guarantor, collateral, and conditions for obtaining a loan are regulated by the bank's Credit Policy
*A secondary account is permitted if a loan is granted to refinance a debt from another bank, on the condition that the client's primary account is transferred to "InFinBank" JSC within 5 business days following the day the loan is issued. The Bank reserves the right to impose a penalty of 5% of the loan amount if this obligation is not fulfilled.
List of documents, provided by the borrower
- Certificate of State Registration of the Borrower;
- A copy of the charter and constituent documents of the borrower (legal entity), including all amendments;
- A copy of the documents confirming a person's authority to sign the loan agreement on behalf of the borrower, if that person is the borrower's representative, along with signature samples;
- A loan application outlining all lending terms and collateral;
- Resolution/Minutes from the authorized body of the Borrower/Co-borrower regarding the attraction of the required loan amount under the relevant terms and the provision of collateral;
- If accounts are held in other banks, certificates from those servicing banks confirming the absence/presence of any outstanding debts under Card File No. 2, loans, leasing, or letters of credit, as well as information on account turnover for the last 12 months in the form of a letter from the servicing bank and a detailed breakdown of turnover in electronic format;
- Documents for the provided provision, in accordance with the "Procedure for Accepting Provision for Credit Operations Carried Out by the Corporate Lending Divisions of 'InFinBank' JSC".
Borrower
Legal entities and individual entrepreneurs
Loan form
Without opening a credit line (one-time issuance)
Lending method
By transferring credit funds to the borrower's account
Aim of the loan
Credit is provided to corporate clients engaged in entrepreneurial activities in the following forms:
1. Non-targeted financing - for business development without subsequent monitoring of the intended use of funds, including by crediting the loan funds to the deposit accounts of new Bank clients at Infinbank JSC.
2. Targeted financing (refinancing) - for repaying (settling) the borrower's debt at another bank, including:
1. Non-targeted financing - for business development without subsequent monitoring of the intended use of funds, including by crediting the loan funds to the deposit accounts of new Bank clients at Infinbank JSC.
2. Targeted financing (refinancing) - for repaying (settling) the borrower's debt at another bank, including:
- for new clients: to pay off (refinance) a new client's debt at another bank. A part of the loan amount may be used to pay off the debt at the other bank, with the remainder credited to the new client's deposit account.
-
for existing clients: to pay off (refinance) an existing InFinBank JSC client's debt at another bank.
* The loan cannot be used to pay off debt owed to InFinBank JSC.
Procedure for opening financing
Financing is provided after a positive decision has been made by the Bank's authorized body, the necessary contracts have been signed, provision has been provided and properly formalized, the pledge has been state-registered (if such registration is required), the pledge subject has been insured, and other preliminary conditions established by the Bank have been met.