Legal entities and individual entrepreneurs carrying out financial and economic activities for at least 6 months from the date of state registration

Small, medium, large business

Replenishment of current assets (purchase of raw materials, materials, components, payment for works and services, sales expenses and other payments and fees) through payment under foreign trade contracts/invoices (except for payment of overdue accounts payable) and/or conversion of credit funds into national currency and payment in the territory of the Republic of Uzbekistan, as well as refinancing of foreign currency loans previously issued by another bank to replenish current assets

1. Loan with the opening of a credit line (including with the condition of revolving);
2. Credit without opening a credit line;
3. General Agreement on the Establishment of a Credit Limit (hereinafter referred to as the "CC"), within the framework of which the following loans may be allocated;
a. loans without opening a credit line;
b. loans with the opening of a credit line, including revolving ones

Non-cash, by transferring funds to the account of the supplier of goods/works/services, according to the supply/purchase/sale/service/performance of works and invoices agreement, after the loan security is formalized

Not more than 5 (five) working days from the date of full submission of the loan and its security documentation.

US dollar, euro

The loan amount depends on the financial condition of the business entity, the turnover of deposit accounts, the size of the business, the sources of loan repayment, and the collateral provided.
The maximum allowable amount of a loan/credit line is limited by the established risk appetite and a credit risk limit of no more than 15% of the Bank's Tier I capital per borrower or a group of interconnected borrowers.

Payment for import contracts is made using payment forms that guarantee the receipt/arrival of goods/works/services under them.
It is allowed to pay an advance payment for the import contract at the expense of credit funds in an amount not exceeding 30%, and the payment of the remaining 70% (or 100%) of the amount of funds is made after the full delivery of goods/works/services.

No more than 36 months from the date of conclusion of the SC

1. No more than 18 months from the date of conclusion of the ICD/CD for large businesses;
2. No more than 24 months from the date of conclusion of the ICD/CD for small and medium-sized businesses

1. No more than 18 months from the date of conclusion of the ICD/CD for large businesses;
2. No more than 24 months from the date of conclusion of the ICD/CD for small and medium-sized businesses

No more than 6 months
The grace period is determined by the specifics of the project being financed.

From 12.99% per annum*

From 19.5% per annum*

Monthly/quarterly/half-yearly payments, as well as individually, depending on the forecasted cash flows of the borrower. The amount and repayment date of the principal debt are agreed upon in the ICD/CD. Repayment is made in the currency of the loan.

Monthly/quarterly/half-yearly payments, as well as individually, depending on the forecasted cash flows of the borrower. The amount and repayment date of the interest are agreed upon in the CD/CD. Repayment is made in the currency of the loan.

Early repayment (partial or full) is allowed without charging commission

Legal entities and individual entrepreneurs meeting the following requirements:
1. Availability of a deposit account in JSC "APEX BANK";
2. Having a positive credit history, it is permissible to have no credit history;
3. Availability of a liquid balance sheet and profitable activity;
4. The commencement of stable turnover from economic activity on deposit accounts for at least 6 months;
5. Existence of valid permits (licenses, certificates, opinions, and others) for the right to carry out activities issued by the authorized state body, if the activity provides for them; 6. Not in the process of bankruptcy or litigation, and having a stable current and prospective financial position;
7. Availability of forecasted stable sources of repayment of obligations to banks;
8. The absence of outstanding overdue debt (principal or interest) for previously conducted credit operations with banks and non-bank credit institutions;
9. Lack of activities related to the legalization of proceeds from criminal activity, the financing of terrorism, and the financing of the proliferation of weapons of mass destruction;
10. The absence of a business entity, its managers, and beneficial owners in national and international sanctions lists;
11. Lack of large stocks of finished non-liquid products;
12. The availability of foreign currency earnings for legal entities is welcomed. Legal entities that do not have foreign currency earnings or foreign currency earnings insufficient for servicing the requested loan must have monthly cash receipts of at least 1.5 times the monthly foreign currency loan obligations;
Mandatory availability of foreign currency income and the presence of import-export contracts for individual entrepreneurs.
13. Not to have arrears under Card No. 2 "Due Payment Documents"

Not less than 125% of the loan amount (130% for individuals affiliated with the Bank). The following is accepted as collateral for the loan:
1. Mortgage of movable and immovable property;
2. Third-party guarantees and sureties;
3. Pledge of funds, including deposits;
4. Loan default risk insurance policy;
5. Equipment pledge;
6. Other types of security provided for by the current legislation of the Republic of Uzbekistan, the Credit Policy of JSC "APEX BANK" and other internal regulatory documents of the Bank.

For real estate collateral:
- production areas;
- office space;
- warehouse and retail premises;
- public catering facilities;
- residential buildings and apartments, if they are not the sole dwelling of the mortgagor and there are no registered persons in them; - other real estate.
For movable property collateral:
- motor vehicles with a production period of up to 5 years;
- special equipment with a production period of up to 5 years;
- equipment with a production period of up to 5 years.
Also, other requirements stipulated by the current legislation of the Republic of Uzbekistan. "APEX BANK" JSC's credit policy and other internal regulatory documents of the Bank.

Product NPL share not exceeding 3% of legal entities' loan portfolio for this credit product