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“WORKING CAPITAL”

Working capital credits are provided for the development of trade, production, expansion of services, etc.

As part of the Working Capital Credit, You can:

  • purchase raw materials, products and components
  • pay for services and work performed
  • pay for freight, road and customs procedures;
  • replenish stocks
  • expand the range
  • make seasonal purchases
  • expand the business, etc.

Basic conditions

CREDIT AMOUNT - In national currency - up to 1 billion som;

                                - In foreign currency - up to 100 thousand US dollars or in the equivalent of another currency.
CREDIT CURRENCY - in national and foreign currency.
CREDIT TERM - up to 18 months.
WORKING CAPITAL CREDITS ARE PROVIDED IN THE FORM:
  • Credit without opening a credit line *
  • With the opening of a revolving credit line (revolving credits)
CREDIT INTEREST REPAYMENT - monthly. Interest is calculated on the actual balance of the credit debt.
A GRACE PERIOD DURING WHICH THE CREDIT AMOUNT IS NOT REPAYED - up to 6 months.
REPAYMENT OF THE CREDIT AMOUNT - monthly, after the end of the grace period for repayment of the principal debt. After the end of the grace period for repayment of the principal debt, the amount of the principal debt and accrued interest are repaid by annuity payments (annuity method).
EARLY REPAYMENT - Allowed, fines or early redemption fees will not be charged.
SECURITY FOR CREDIT - collateral can be a pledge of property, including personal and third parties - both legal entities and individuals:
  • the property;
  • jewelry;
  • vehicles;
  • deposit (in national and / or foreign currency);
  • special machines;
  • equipment;
  • guarantee of a commercial bank or insurance company;
  • surety of a third party;
  • insurance policy on insurance in favor of a commercial bank of the risk of non-repayment of the credit by the borrower;
  • other liquid property.
Also, other types of collateral that are not prohibited by the legislation of the Republic of Uzbekistan can act as collateral for a credit, incl. surety of the State Fund for the Support of Entrepreneurship.
Combined provision is possible.

A combined collateral is possible. The collateral is accepted for a total amount of 125% of the credit amount with a discount **. The amount of the discount depends on the type of property, its value and credit term.
* Credit without opening a credit line - The credit is issued by a one-time payment of the entire credit amount or is made in several tranches within the credit amount (the established issuance limit). Revolving line of credit - Credits are issued and repaid repeatedly within the established debt limit (aggregate debt limit) and within the specified period. Also, when opening a revolving credit line, an additional one-time commission is charged, established by the Bank's tariff. No commission is charged for the unused credit line limit.
** Discount - markdown as a percentage of the value of the property to determine the collateral value. The amount of the discount depends on the type of property, its value and credit term.

Basic requirements for a potential borrower

Business entities (legal entities, individual entrepreneurs and individuals carrying out entrepreneurial activities without forming a legal entity) registered in the manner prescribed by the legislation of the Republic of Uzbekistan.
Having an operating profitable business.
Presence of a primary or secondary deposit account on demand with JSCB "KAPITALBANK".
Place of registration and business in the region of presence of JSCB "KAPITALBANK"
No negative credit history
The term of work and official registration of the business is not less than 6 months is welcome.
Enterprises operating at a loss and having an illiquid balance sheet are not eligible for credits.

“FIXED CAPITAL”

Credits for fixed capital are provided for the development and modernization of production, increase in production capacity, business expansion, etc.

Within the framework of the Fixed Capital Credit, you can purchase:

  • equipment for various purposes
  • the property
  • inventory
  • other fixed assets used in business

Basic conditions

CREDIT AMOUNT - In national currency - up to 1 billion som;

                              - In foreign currency - up to 100 thousand US dollars or in the equivalent of another currency.
CREDIT CURRENCY - in national and foreign currency.
CREDIT TERM - up to 36 months.
WORKING CAPITAL CREDITS ARE PROVIDED IN THE FORM:
  • Credit without opening a credit line *
CREDIT INTEREST REPAYMENT - monthly. Interest is calculated on the actual balance of the credit debt.
A GRACE PERIOD DURING WHICH THE CREDIT AMOUNT IS NOT REPAYED - up to 6 months.
REPAYMENT OF THE CREDIT AMOUNT - monthly, after the end of the grace period for repayment of the principal debt. After the end of the grace period for repayment of the principal debt, the amount of the principal debt and accrued interest are repaid by annuity payments (annuity method).
EARLY REPAYMENT - Allowed, fines or early redemption fees will not be charged.
SECURITY FOR CREDIT - collateral can be a pledge of property, including personal and third parties - both legal entities and individuals:
  • the property;
  • jewelry;
  • vehicles;
  • deposit (in national and / or foreign currency);
  • special machines;
  • equipment;
  • guarantee of a commercial bank or insurance company;
  • surety of a third party;
  • insurance policy on insurance in favor of a commercial bank of the risk of non-repayment of the credit by the borrower;
  • other liquid property.
Also, other types of collateral that are not prohibited by the legislation of the Republic of Uzbekistan can act as collateral for a credit, incl. surety of the State Fund for the Support of Entrepreneurship.
Combined provision is possible.

A combined collateral is possible. The collateral is accepted for a total amount of 125% of the credit amount with a discount **. The amount of the discount depends on the type of property, its value and credit term.
* Credit without opening a credit line - The credit is issued by a one-time payment of the entire credit amount or is made in several tranches within the credit amount (the established issuance limit).
** Discount - markdown as a percentage of the value of the property to determine the collateral value. The amount of the discount depends on the type of property, its value and credit term.

Basic requirements for a potential borrower

Business entities (legal entities, individual entrepreneurs and individuals carrying out entrepreneurial activities without forming a legal entity) registered in the manner prescribed by the legislation of the Republic of Uzbekistan.
Having an operating profitable business.
Presence of a primary or secondary deposit account on demand with JSCB "KAPITALBANK".
Place of registration and business in the region of presence of JSCB "KAPITALBANK"
No negative credit history
The term of work and official registration of the business is not less than 6 months is welcome.
Enterprises operating at a loss and having an illiquid balance sheet are not eligible for credits.

“TEZKOR AUTO”

Credits for the purchase of motor vehicles are provided for the development of activities, business expansion, etc.

Within the framework of the Credit, you can purchase on motor vehicles:

  • a car
  • truck
  • special machines
  • other types of transport used in business

Basic conditions

CREDIT AMOUNT - In national currency - up to 2 billion som;

                               - In foreign currency - up to 200 thousand US dollars or the equivalent of another currency.
CREDIT CURRENCY - in national and foreign currency.
CREDIT TERM - up to 36 months.
WORKING CAPITAL CREDITS ARE PROVIDED IN THE FORM:
  • Credit without opening a credit line *
CREDIT INTEREST REPAYMENT - monthly. Interest is calculated on the actual balance of the credit debt.
A GRACE PERIOD DURING WHICH THE CREDIT AMOUNT IS NOT REPAYED - up to 6 months.
REPAYMENT OF THE CREDIT AMOUNT - monthly, after the end of the grace period for repayment of the principal debt. After the end of the grace period for repayment of the principal debt, the amount of the principal debt and accrued interest are repaid by annuity payments (annuity method).
EARLY REPAYMENT - Allowed, fines or early redemption fees will not be charged.
OWN PARTICIPATION OF THE POTENTIAL BORROWER - The potential borrower, at his own expense, makes an advance payment of at least 25% of the purchase price of each unit of property (only for light vehicles) before the credit is granted
SECURITY FOR CREDIT - collateral can be a pledge of property, including personal and third parties - both legal entities and individuals:
  • property;
  • jewelry;
  • vehicles;
  • deposit (in national and / or foreign currency);
  • special machines;
  • equipment;
  • guarantee of a commercial bank or insurance company;
  • surety of a third party;
  • insurance policy on insurance in favor of a commercial bank of the risk of non-repayment of the credit by the borrower;
  • other liquid property.
Also, other types of collateral that are not prohibited by the legislation of the Republic of Uzbekistan can act as collateral for a credit, incl. surety of the State Fund for the Support of Entrepreneurship.
Combined provision is possible.

A combined collateral is possible. The collateral is accepted for a total amount of 125% of the credit amount with a discount **. The amount of the discount depends on the type of property, its value and credit term.
* Credit without opening a credit line - The credit is issued by a one-time payment of the entire credit amount or is made in several tranches within the credit amount (the established issuance limit).
** Discount - markdown as a percentage of the value of the property to determine the collateral value. The size of the discount depends on the type of property, its value and credit term.

Basic requirements for a potential borrower

Business entities (legal entities, individual entrepreneurs and individuals carrying out entrepreneurial activities without forming a legal entity) registered in the manner prescribed by the legislation of the Republic of Uzbekistan.
Having an operating profitable business.
Presence of a primary or secondary deposit account on demand with JSCB "KAPITALBANK".

Place of registration and business in the region of presence of JSCB "KAPITALBANK"

No negative credit history
The term of work and official registration of the business is not less than 6 months is welcome.
Enterprises operating at a loss and having an illiquid balance sheet are not eligible for credits.

"QUICK SOLUTION - DEALER"

Credits "QUICK SOLUTION - DEALER" are provided for the development of trade, increasing the range of goods by purchasing them under a dealer agreement/contract from manufacturers of products.

Within the framework of this Credit, You, as a Dealer of products, can purchase assorted goods from the manufacturer under a dealer agreement/contract.

Basic conditions

CREDIT AMOUNT - no more than 50% of the average monthly amount of funds received over the past three months on a deposit account on demand of a potential "Borrower" from the sale of goods purchased from the relevant Manufacturer.
CREDIT CURRENCY - in national and foreign currency.
CREDIT TERM - up to 12 months.
WORKING CAPITAL CREDITS ARE PROVIDED IN THE FORM:
  • Credit without opening a credit line *
CREDIT INTEREST REPAYMENT - monthly. Interest is calculated on the actual balance of the credit debt.
A GRACE PERIOD DURING WHICH THE CREDIT AMOUNT IS NOT REPAYED - up to 3 months.
REPAYMENT OF THE CREDIT AMOUNT - monthly, after the end of the grace period for repayment of the principal debt. After the end of the grace period for repayment of the principal debt, the amount of the principal debt and accrued interest are repaid by annuity payments (annuity method).
EARLY REPAYMENT - Allowed, fines or early redemption fees will not be charged.
SECURITY FOR CREDIT - Guarantee of the manufacturer of the goods purchased under a dealer agreement using a credit within the framework of this credit, in the amount of at least 125% of the credit amount.
* Credit without opening a credit line - The credit is issued by a one-time payment of the entire credit amount or is made in several tranches within the credit amount (the established issuance limit).

Basic requirements for a potential borrower

Business entities (legal entities, individual entrepreneurs and individuals carrying out entrepreneurial activities without forming a legal entity) registered in the manner prescribed by the legislation of the Republic of Uzbekistan.
Having an active profitable business.
Presence of a primary or secondary deposit account on demand with JSCB "KAPITALBANK".
Place of registration and business in the region of presence of JSCB "KAPITALBANK"
No negative credit history
The term of work and official registration of the business is not less than 6 months is welcome.
Enterprises operating at a loss and having an illiquid balance sheet are not eligible for credits.
The presence of a letter of recommendation from the manufacturer of goods purchased under a dealer agreement in a form that satisfies the Bank.

"QUICK SOLUTION - RETAIL"

Credits "QUICK SOLUTION - RETAIL" are provided for the development of trade, increasing the range of goods by purchasing them from the official Dealer of the products of the manufacturing company for further retail sale.

Within the framework of this Credit, You, as an entrepreneur, can purchase assorted goods from the Dealer of the manufacturer under a contract.

Basic conditions

CREDIT AMOUNT - no more than 50% of the average monthly amount of funds received over the past three months on a deposit account on demand of a potential "Borrower" from the sale of goods purchased from the relevant official Dealer of the products of the manufacturing company.
CREDIT CURRENCY - in national and foreign currency.
CREDIT TERM - up to 12 months.
WORKING CAPITAL CREDITS ARE PROVIDED IN THE FORM:
  • Credit without opening a credit line *
CREDIT INTEREST REPAYMENT - monthly. Interest is calculated on the actual balance of the credit debt.
A GRACE PERIOD DURING WHICH THE CREDIT AMOUNT IS NOT REPAYED - up to 3 months.
REPAYMENT OF THE CREDIT AMOUNT - monthly, after the end of the grace period for repayment of the principal debt. After the end of the grace period for repayment of the principal debt, the amount of the principal debt and accrued interest are repaid by annuity payments (annuity method)..
EARLY REPAYMENT - Allowed, fines or early redemption fees will not be charged.
SECURITY FOR CREDIT - Guarantee of the official dealer of the products of the manufacturer of the goods purchased using a credit under this credit, in the amount of at least 125% of the credit amount.
* Credit without opening a credit line - The credit is issued by a one-time payment of the entire credit amount or is made in several tranches within the credit amount (the established issuance limit).

Basic requirements for a potential borrower

Business entities (legal entities, individual entrepreneurs and individuals carrying out entrepreneurial activities without forming a legal entity) registered in the manner prescribed by the legislation of the Republic of Uzbekistan.
Having an operating profitable business.
Presence of a primary or secondary deposit account on demand with JSCB "KAPITALBANK".
Place of registration and business in the region of presence of JSCB "KAPITALBANK"
No negative credit history
The term of work and official registration of the business is not less than 6 months is welcome.
Enterprises operating at a loss and having an illiquid balance sheet are not eligible for credits.
The presence of a letter of recommendation from the official Dealer of the products of the manufacturer of goods purchased under a dealer agreement in a form that satisfies the Bank.

"MODULAR CREDITS"

Modular credits are provided for the development of trade, production, expansion of services, etc.

As part of the Working Capital Credit, You can:

  • purchase raw materials, products and components
  • pay for services and work performed
  • pay for freight, road and customs procedures;
  • replenish stocks
  • expand the range
  • make seasonal purchases
  • expand the business, etc.

Basic conditions

CREDIT AMOUNT - 50,000,000.00 (fifty million) som
CREDIT CURRENCY - in national currency.
CREDIT TERM - up to 12 months.
WORKING CAPITAL CREDITS ARE PROVIDED IN THE FORM:
  • Credit without opening a credit line *
  • With the opening of a revolving credit line (revolving credits)
CREDIT INTEREST REPAYMENT - monthly. Interest is calculated on the actual balance of the credit debt.
A GRACE PERIOD DURING WHICH THE CREDIT AMOUNT IS NOT REPAYED - up to 3 months.
REPAYMENT OF THE CREDIT AMOUNT - monthly, after the end of the grace period for repayment of the principal debt. After the end of the grace period for repayment of the principal debt, the amount of the principal debt and accrued interest are repaid by annuity payments (annuity method).
EARLY REPAYMENT - Allowed, fines or early redemption fees will not be charged.
AUTHORIZED BODY MAKING A DECISION ON PROVISION OF A CREDIT - Scoring model
SECURITY FOR CREDIT - collateral can be a pledge of property, including personal and third parties - both legal entities and individuals:
  • vehicles;
  • deposit (in national and/or foreign currency);
  • insurance policy on insurance in favor of a commercial bank of the risk of non-repayment of the credit by the borrower;
At the same time, it is not allowed to accept as collateral for vehicles with a production year below 2017.
A combined collateral is possible. The collateral is accepted for a total amount of 125% of the credit amount with a discount **. The amount of the discount depends on the type of property, its value and credit term.
* Credit without opening a credit line - The credit is issued by a one-time payment of the entire credit amount or is made in several tranches within the credit amount (the established issuance limit). Revolving line of credit - Credits are issued and repaid repeatedly within the established debt limit (aggregate debt limit) and within the specified period. Also, when opening a revolving credit line, an additional one-time commission is charged, established by the Bank's tariff. No commission is charged for the unused credit line limit.
** Discount - markdown as a percentage of the value of the property to determine the collateral value. The amount of the discount depends on the type of property, its value and credit term.

Basic requirements for a potential borrower

The term of work and official registration of the business is not less than 6 months is welcome.
Individual entrepreneurs carrying out entrepreneurial activity without forming a legal entity and registered in the manner prescribed by the legislation of the Republic of Uzbekistan.
Having an operating profitable business.
Presence of a primary or secondary deposit account on demand with JSCB "KAPITALBANK".
Place of registration and business in the region of presence of JSCB "KAPITALBANK"
No negative credit history
Enterprises operating at a loss and having an illiquid balance sheet are not eligible for credits.
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