Credits for Small Business Development
“Trastbank” Private Joint-Stock Bank has introduced a range of credit products for corporate clients aimed at developing small businesses. Receive from 100 million UZS to 2 billion UZS in cash and start your business or take your existing entrepreneurship to the next level.
Credit Product: “Tezkor”
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Loan amount |
Up to UZS 100 000 000,00 |
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Type of loan |
By bank transfer and/or in cash |
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Purpose of the Loan |
Small business entities and private entrepreneurs for all purposes of business development (establishment) |
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Loan Term, Grace Period, Interest rate for loans in national currency |
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Project collateral |
Collateral not prohibited by applicable legislation (insurance policy, guarantee, cash collateral and/or property collateral) |
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Additional collateral |
At least 1 individual guarantee is required |
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Requirement for collateral if property pledge is accepted |
- Property must be immovable and/or residential (if no one is registered in the residential property) - Vehicles accepted as collateral must not be older than 5 years (special equipment registered with the State Technical Control Department is not accepted as collateral). Vehicles aged 5–10 years may only be accepted for loans up to 24 months - Collateral must be free from other pledges (except when the same property is already pledged for other loans of the same client at Trastbank PJSB) |
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Requirements for the business entity |
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Accounting balance sheet and financial results |
The entity must operate without losses and must not have an illiquid balance sheet. Financial statements for the last financial period are taken into account. |
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Requirement for account status |
No outstanding liabilities recorded in Card Index No. 2 |
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Requirement for primary settlement account |
Must be registered and operate for at least 3 months |
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Requirement for cash turnover |
Continuous inflows over the last 3 months, with average monthly inflows from entrepreneurial activities sufficient to cover monthly payments on the issued and existing credits |
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Requirements for obligations of the business entity |
The borrower must have no unpaid overdue debts and must not have had overdue payments exceeding 15 days in the last 3 months |
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Requirement for credit history |
Individual entrepreneurs and legal entities with a positive credit history |
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*If the borrower is a newly established business entity, the loan must be secured by a pledge of vehicle and/or real estate at 125 %;
** The total outstanding balance of loans under this product must not exceed 100.00 million UZS, and loans may be granted without requiring a business plan.
Credit Product: “Imkon”
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Loan amount |
Up to UZS 200 000 000,00 |
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Type of loan |
By bank transfer and/or in cash |
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Purpose of the Loan |
Small business entities and private entrepreneurs for all purposes of business development (establishment) |
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Loan Term, Grace Period, Interest rate for loans in national currency |
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Project collateral |
Collateral not prohibited by applicable legislation (insurance policy, guarantee, cash collateral and/or property collateral). At least 50% of the loan amount must be secured by property collateral with coverage of not less than 125 % |
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Additional collateral |
At least 1 individual guarantee is required |
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Requirement for collateral if property pledge is accepted |
- Property must be immovable and/or residential (if no one is registered in the residential property) - Vehicles accepted as collateral must not be older than 5 years (special equipment registered with the State Technical Control Department is not accepted as collateral). Vehicles aged 5–10 years may only be accepted for loans up to 24 months - Collateral must be free from other pledges (except when the same property is already pledged for other loans of the same client at Trastbank PJSB) |
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Requirements for the business entity |
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Requirement for primary settlement account |
Must be registered and operate for at least 3 months |
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Requirement for account status |
No outstanding liabilities recorded in Card Index No. 2 |
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Accounting balance sheet and financial results |
The entity must operate without losses and must not have an illiquid balance sheet. Financial statements for the last financial period are taken into account. |
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Requirement for cash turnover |
Continuous inflows over the last 3 months, with average monthly inflows from entrepreneurial activities sufficient to cover monthly payments on the issued and existing credits |
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Requirements for obligations of the business entity |
The borrower must have no unpaid overdue debts and must not have had overdue payments exceeding 15 days in the last 3 months |
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Requirement for credit history |
Individual entrepreneurs and legal entities with a positive credit history |
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*If the borrower is a newly established business entity, the loan must be secured by a pledge of vehicle and/or real estate at 125 %;
** The total outstanding balance of loans under this product must not exceed 200.00 million UZS, and loans may be granted without requiring a business plan.
Credit Product: “Madadkor”
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Loan amount |
Up to UZS 300 000 000,00 |
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Type of loan |
By bank transfer and/or in cash |
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Purpose of the Loan |
Small business entities and private entrepreneurs for all purposes of business development (establishment) |
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Loan Term, Grace Period, Interest rate for loans in national currency |
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Project collateral |
Collateral not prohibited by applicable legislation (insurance policy, guarantee, cash collateral and/or property collateral). At least 80% of the loan amount must be secured by property collateral with coverage of not less than 100% |
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Additional collateral |
At least 1 individual guarantee is required |
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Requirement for collateral if property pledge is accepted |
- Property must be immovable and/or residential (if no one is registered in the residential property) - Vehicles accepted as collateral must not be older than 5 years (special equipment registered with the State Technical Control Department is not accepted as collateral). Vehicles aged 5–10 years may only be accepted for loans up to 24 months - Collateral must be free from other pledges (except when the same property is already pledged for other loans of the same client at Trastbank PJSB) |
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Requirements for the business entity |
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Requirement for primary settlement account |
Must be registered and operate for at least 3 months |
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Requirement for account status |
No outstanding liabilities recorded in Card Index No. 2 |
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Accounting balance sheet and financial results |
The entity must operate without losses and must not have an illiquid balance sheet. Financial statements for the last financial period are taken into account. |
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Requirement for cash turnover |
Continuous inflows over the last 3 months, with average monthly inflows from entrepreneurial activities sufficient to cover monthly payments on the issued and existing credits |
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Requirements for obligations of the business entity |
The borrower must have no unpaid overdue debts and must not have had overdue payments exceeding 15 days in the last 3 months |
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Requirement for credit history |
Individual entrepreneurs and legal entities with a positive credit history |
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*If the borrower is a newly established business entity, the loan must be secured by a pledge of vehicle and/or real estate at 125 %;
** The total outstanding balance of loans under this product must not exceed 300.00 million UZS, and loans may be granted without requiring a business plan.
Credit Product: “Biznesga ko‘mak”
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Loan amount |
Up to UZS 500 000 000,00 |
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Type of loan |
By bank transfer and/or in cash |
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Purpose of the Loan |
Small business entities and private entrepreneurs for all purposes of business development (establishment) |
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Loan Term, Grace Period, Interest rate for loans in national currency |
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Project collateral |
Collateral in the form of a motor vehicle and/or immovable property. |
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Additional collateral |
At least 1 individual guarantee is required |
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Requirement for collateral if property pledge is accepted |
- Property must be immovable and/or residential (if no one is registered in the residential property) - Vehicles accepted as collateral must not be older than 5 years (special equipment registered with the State Technical Control Department is not accepted as collateral). Vehicles aged 5–10 years may only be accepted for loans up to 24 months - Collateral must be free from other pledges (except when the same property is already pledged for other loans of the same client at Trastbank PJSB) |
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Requirements for the business entity |
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Requirement for primary settlement account |
Must be registered and operate for at least 3 months |
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|
Requirement for account status |
No outstanding liabilities recorded in Card Index No. 2 |
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Accounting balance sheet and financial results |
The entity must operate without losses and must not have an illiquid balance sheet. Financial statements for the last financial period are taken into account. |
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|
Requirement for cash turnover |
Continuous inflows over the last 3 months, with average monthly inflows from entrepreneurial activities sufficient to cover monthly payments on the issued and existing credits |
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Requirements for obligations of the business entity |
The borrower must have no unpaid overdue debts and must not have had overdue payments exceeding 15 days in the last 3 months |
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Requirement for credit history |
Individual entrepreneurs and legal entities with a positive credit history |
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*If the borrower is a newly established business entity, the loan must be secured by a pledge of vehicle and/or real estate at 125 %;
** The total outstanding balance of loans under this product must not exceed 500.00 million UZS, and loans may be granted without requiring a business plan.
Credit Product: “Keng imkon”
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Loan amount |
Up to UZS 2 000 000 000,00 |
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Type of loan |
By bank transfer and/or in cash (under an open credit line, revolving credit facility, or a closed facility without opening a credit line)) |
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Purpose of the Loan |
Small business entities and private entrepreneurs for all purposes of business development (establishment) |
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|
Loan Term, Grace Period, Interest rate for loans in national currency |
|
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|
Project collateral |
Collateral in the form of a motor vehicle and/or immovable property. |
||||||||||||||||||||
|
Requirement for collateral if property pledge is accepted |
- Property must be immovable and/or residential (if no one is registered in the residential property) - Vehicles accepted as collateral must not be older than 5 years (special equipment registered with the State Technical Control Department is not accepted as collateral). Vehicles aged 5–10 years may only be accepted for loans up to 24 months - Collateral must be free from other pledges (except when the same property is already pledged for other loans of the same client at Trastbank PJSB) |
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Requirements for the business entity |
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Requirement for primary settlement account |
Must be registered and operate for at least 6 months |
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Requirement for account status |
No outstanding liabilities recorded in Card Index No. 2 |
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Accounting balance sheet and financial results |
The entity must operate without losses and must not have an illiquid balance sheet. Financial statements for the last financial period are taken into account. |
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Requirement for cash turnover |
Continuous inflows over the last 6 months, with average monthly inflows from entrepreneurial activities sufficient to cover monthly payments on the issued and existing credits |
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Requirements for obligations of the business entity |
The borrower must have no unpaid overdue debts and must not have had overdue payments exceeding 15 days in the last 3 months |
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Requirement for credit history |
Individual entrepreneurs and legal entities with a positive credit history |
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* The total outstanding amount of loans granted under this credit product shall not exceed UZS 2 billion, and a business plan is required for loan approval.
Online application for small businesses for obtaining a loan in the PJSB "Trustbank"
Online application of Individual entrepreneurs for a loan in the PJSB "Trustbank" system
