Ру | Uz

Ру | Uz

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Corporate Lending

Ipak Yuli Bank offers the following types of loans and guarantees for legal entities and individual entrepreneurs who do not have a legal entity status:

Short-term loans shall be granted to legal entities and individual entrepreneurs who do not have a legal entity status for a term of up to 18 months in local or foreign currencies. Ipak Yuli Bank gives short-term loans for the following purposes:

Loans for increasing working capital. Loans shall be given to customers to increase inventory and other tangible assets as well as to cover production, administration and other costs. However, such loan shall be given to either replace existing inventory and cover related costs or to buy new assets. Loans shall be issued in either local or foreign currencies. In case of foreign currency, the Borrower shall have his/her own export proceeds in foreign currency as a main source of loan repayment. Short-term loans can have a credit line.

Main terms and conditions for short-term loans to increase working capital:

Loan Amount:

It is subject to a borrower’s financial position and the size of his/her business (deposit account turnover).

Loan Term:

Up to 18 months

Interest Rate:

  • From 14% up to 22% per annum in local currency.
  • From 10% up to 15% per annum in foreign currency.

Principal Amount Repayment:

The principal amount shall be repaid on a monthly basis by equal portions, or an individual repayment schedule shall be set up based on the financial and business situation of a borrower.

Interest Payment:

Interest shall be paid on a monthly basis. Interest shall be accrued on outstanding loan amount.

Early Repayment:

Early repayment is allowed. Penalty fees for early repayment are not charged.

One-Time Fees:

  • Project review fee shall be set up depending on the loan term and conditions.
  • Unutilized credit line limit fee shall be set up depending on the loan terms and conditions.

Loan Security:

Loan pledge can belong either to a Borrower or Third party.

  • Real estate;
  • Auto vehicles;
  • Cash deposit;
  • Special machinery and equipment;
  • Equipment
  • Other liquid assets;
  • Third party indemnity

Long-term loans are given to legal entities and individual entrepreneurs who do not have a legal entity status for a term exceeding 1 year in local or foreign currencies depending on the project repayment schedule. Ipak Yuli Bank give long-term loans for the following purposes:

Loans for financing fixed assets. The current type of loan shall be given to acquire fixed assets for modernization of the existing production or setting up a new production, for technical re-equipment, reconstruction and expansion of existing enterprises, as well as to acquire plants and other buildings. The loan can provided in local or foreign currencies. The bank issues loans in foreign currency only in case if a borrower has FCY export revenues as a main source of repayment.

Main Terms and Conditions of Long-Term loans for financing Fixed Assets:

Loan Amount:

Depends on the financial condition of a borrower, and the size of his/her business (turnover on bank deposit accounts)

Loan Term:

Over 1 year depending on the project

Interest Rate:

  • From 14% up to 22% per annum In local currency.
  • From 10% up to 15% per annum in foreign currency.

Principal Amount Repayment:

The principal amount shall be repaid on a monthly basis by equal portions, or an individual repayment schedule shall be set up based on the financial and business situation of a borrower.

Interest Payment:

Interest shall be paid on a monthly basis. Interest shall be accrued on outstanding loan amount.

Early Repayment:

Early repayment is allowed. Penalty fees for early repayment are not charged.

One-Time Fees:

Project review fee shall be set up depending on the loan term and conditions.

Loan Security:

Loan pledge can belong either to a Borrower or Third party.

  • Real estate;
  • Auto vehicles;
  • Cash deposit;
  • Special machinery and equipment;
  • Equipment
  • Other liquid assets;
  • Third party indemnity.

Loans for construction, reconstruction, and capital repairs of premises, offices, and warehouses as well as multi-storied buildings. The loan shall be given in local currency.

Leasing is a special type of financial leasing, whereas one party (the Lessor) acquires a property (the Leasing Object) of a third party (the Seller) in accordance with a Leasing Agreement and gives it to the Lessee for fees provided by terms and conditions of the Leasing Agreement. Leasing is provided in local currency for a term exceeding 1 year to legal entities and individual entrepreneurs who do not have a legal entity status. Leasing can be given in a direct form whereas all three parties are involved in this deal, or in a form of leaseback, whereas the Lessee and the Seller are the same party. A Lessee’s cash contribution in the leasing deal is mandatory.

Main Leasing Terms and Conditions:

Leasing Amount:

Depends on the financial condition of the borrower, and the size of his/her business (turnover on the account)

Leasing Currency:

Local currency: UZS

Leasing Term:

Over 1 year depending on the project

Interest Rate:

From 14% to 22% per annum

Leasing Objects:

  • Various types of equipment
  • Trucks
  • Passenger vehicles (cars)
  • Special machinery and equipment
  • Trailers and semi-trailers
  • Other assets used for business purposes

Additional Leasing Security

It can be pledge of property owned by a Borrower or third parties: legal entities or natural persons:

  • Real estate;
  • Auto vehicles;
  • Cash deposit;
  • Special machinery and equipment;
  • Equipment;
  • Other liquid assets;
  • Third party indemnity.

Guarantee is a bank financial obligation to pay on customer liabilities which are currently valid and the liabilities which may occur in future. Bank guarantees (indemnities) are issued in accordance with the Provisions "On Commercial Banks’s Procedures on Bank Guarantees Issuance" (Appendix to the Resolution of the Central Bank Board No.10/1 as of 24.03.2012, registered by Ministry of Justice No. 2364 as of 15.05.2012).

Types of Guarantees:

  • Customs duty guarantee;
  • Customs warehouse guarantee;
  • Payment guarantee;
  • Advance payment guarantee;
  • Tender guarantee;
  • Contract performance guarantee.

Factoring is a type of banking service, which provides financing to suppliers in a form of the concession right without regression granted to a Bank (Financial Agent) to get receivables which have been accepted by Payees and shall be paid by Payers for delivered goods and services.

Note:

List of documents required for loan application, as given below:

Appendix:

  • Loan application;
  • Foundation documents of a Borrower;
  • Business plan;
  • Financial statements, including balance sheet, income and cash flow statements for a last reporting period, signed by a Borrower.

The bank is entitled to request additional documents, if necessary, depending on the project.