Within the framework of the agreement with LLC “HAMROH Company for the Support of Women’s Entrepreneurship” (hereinafter referred to as the “COMPANY”), through the online platform hamroh.biznes-portal.uz, using the COMPANY’s resources.

Clients of JSC “APEX BANK” — legal entities in which women hold at least 50% of the founders’ share in the charter capital, or where the head is a woman, as well as women individual entrepreneurs.

Acquisition of fixed assets (real estate, machinery and equipment, vehicles, specialized equipment, and other assets necessary for business growth);

Working capital financing (purchase of raw materials, materials and components, payment for works and services, sales-related expenses, and other payments and fees).

Non-cash, by transferring funds to the supplier’s bank account in accordance with the contract for the supply/purchase and sale/provision of services/performance of works and invoices.

National currency – Uzbek sum

For one project, without an obligation to create jobs, up to UZS 100 million* (unsecured);
For one project creating at least 2 new jobs, up to 1,000 times the BCU amount;

For one project creating at least 5 new jobs, up to 4,000 times the BCU amount;

For one project creating at least 10 new jobs, up to 25,000 times the BCU amount.

The aggregate amount of loans provided under the criteria specified in clause “a)” shall not exceed 50% of the amount of resources attracted by the Bank from the COMPANY.

21% per annum*

*The interest rate may be adjusted depending on the policy rate of the Central Bank of the Republic of Uzbekistan.

If the client fails to fulfill its obligations to create new jobs, the interest rate will be changed to the commercial rate.

Monthly. The principal repayment amount and date are agreed upon in the loan agreement.

Monthly, starting from the month following the month in which the loan is disbursed, in accordance with the terms of the loan agreement.

Early repayment is permitted, and no early repayment fees are charged.

Maintaining a deposit account with JSC “APEX BANK”;

No bankruptcy status or enforcement proceedings;

No adverse credit history;

Other criteria in accordance with the Bank’s regulatory requirements.

At least 125% of the loan amount (130% for persons related to the Bank)*.

The following may be accepted as loan collateral:

Surety provided by JSC “National Business Guarantee Company”;

Pledge of movable and immovable property;

Guarantees and sureties of third parties;

Pledge of funds, including deposits;

Insurance policy covering the risk of loan non-repayment;

Pledge of equipment;

Other types of collateral provided for by the Bank’s Credit Policy.

*Borrowers with a positive credit history who meet the Bank’s requirements may obtain financing of up to UZS 100 million without providing collateral (under a surety, guarantee, or insurance policy).

Applications for project review are submitted through the online platform hamroh.biznes-portal.uz or JSC “APEX BANK”.

The initial scoring of the project is conducted on the online platform hamroh.biznes-portal.uz.

Projects are not financed for the following purposes:

§ Gambling businesses and billiard halls;

§ Production and/or sale of alcoholic beverages and tobacco products;

§ Repayment of previously obtained loans (leases) and other debts;

Activities of leasing and insurance companies.

Loan application in the Bank’s prescribed form

Legal documents

Passports and appointment orders of authorized persons

Financial statements (for legal entities — balance sheet and statement of financial results) for the latest completed financial year and interim financial statements as of the latest quarterly reporting date

Business plan and other documents that the Bank may request during the loan review process.