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

Acquisition of fixed assets (machines and equipment, vehicles, special equipment, transmission devices, production and economic inventory, and others) through payment under foreign trade contracts (except for payment of overdue accounts payable) and/or conversion of credit funds into national currency and payment within the territory of the Republic of Uzbekistan, as well as refinancing of foreign currency loans previously issued for the acquisition of fixed assets by another bank

1. Credit without opening a credit line;
2. General Agreement on Establishing a Credit Limit (hereinafter referred to as the "CL"), within the framework of which loans may be allocated, including without opening a credit line in foreign currency, for the acquisition of fixed assets.

Non-cash, by transferring funds to the supplier's/seller's settlement account, according to the supply/purchase/sale agreement, after credit security is formalized

Not more than 10 (ten) working days from the date of full submission of the package of documents by the borrower/pledgee/guarantor

US dollar, euro

The loan amount depends on the financial condition of the business entity, the turnover of deposit accounts, the volume of the business, the sources of repayment of the loan, and the collateral provided; it cannot exceed 70% of the total cost of the project being financed.
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.

The borrower's participation with their own funds is required in the amount of not less than 30% of the value of fixed assets specified in the foreign trade contract (except for refinanced projects)

Payment for import contracts is made using payment forms that guarantee the receipt/arrival of goods.
It is permitted 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 funds is made after the goods are fully supplied.

Not more than 60 months from the date of conclusion of the loan agreement/GV and is established for each project individually, based on the project's payback based on the calculations of the business plan/feasibility study

No more than 30 (thirty) days from the date of conclusion of the loan agreement, it is allowed to establish the loan availability period for each project individually, based on the terms of payment for foreign trade contracts

Not more than 12 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 loan agreement. 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 loan agreement. Repayment is made in the currency of the loan.

Early repayment (partial or full) is permitted without charging commission.

Legal entities and individual entrepreneurs who meet 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 on previously conducted credit operations (principal or interest) 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 debts under Card No. 2 "Due Payment Documents Not Paid on Time"

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