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A framework credit facility for procurement of fixed assets under which the following lending instruments are used:

  1. Uncovered letters of credit with the option of post-financing/discounting/deferred payment (hereinafter - the "Letter of Credit");
  2. Loans without opening a revolving credit line (hereinafter - the "Loan").
THE AMOUNT OF THE LETTER OF CREDIT / LOAN depends on the financial condition of the potential Borrower, the volume of its business and the source of the loan repayment.
CURRENCY OF THE LETTER OF CREDIT / LOAN – US Dollar/Euro;
FCF TERM - up to 37 months;
THE LETTER OF CREDIT IS VALID for up to 12 months;
LOAN TERM - up to 24 months;
INTEREST RATE/RISK PREMIUM-by agreement.
OTHER EXPENSES ON THE LETTER OF CREDIT-according to the tariffs of a foreign Bank;
REPAYMENT OF THE RISK PREMIUM UNDER THE LETTER OF CREDIT – every month on the 5th day;
REPAYMENT OF INTEREST ON THE LOAN - every month. Interest is accrued on the actual balance of the loan debt;
REPAYMENT OF THE LOAN AMOUNT - monthly equal payments;
COLLATERAL FOR THE LOAN - collateral can be a pledge of property (including personal and third parties-both legal entities and individuals) using a discount*:
  • realty;
  • motor transport;
  • deposit (in national and / or foreign currency);
  • сspecial machinery;
  • other liquid assets.

In addition, other types of collateral not prohibited by the legislation of the Republic of Uzbekistan, including the guarantee of the State Fund for business support, can be the collateral for the loan. Combined security is possible.
Security is accepted for a total amount of at least 125% of the FCF amount.
EARLY REPAYMENT is allowed, and fines and commissions for early repayment are not collected.
* DISCOUNT- a markdown as a percentage of the value of the property, used to determine the collateral value. The amount of the discount depends on the type of property, its value and the term of the loan.

Basic requirements for a potential borrower:
  • An unincorporated individual entrepreneur or a resident company of the Republic of Uzbekistan
  • Existence of a functioning profitable business.
  • Availability of a primary or secondary deposit accounts at "KAPITALBANK" JSCB.
  • Place of registration and business in the region of presence of "KAPITALBANK" JSCB.
  • We welcome your own at least 20 percent participation in the project.
  • A positive credit history would be an asset.
  • At least 12 months period of work and official business registration is welcome.
  • Businesses operating at a lost and having an illiquid balance sheet are not subject to lending.
Other possible expenses when opening the FCF:
  • * Expenses before submitting the loan application and package of documents for consideration by the Bank:
    • Expenses for drawing up a business plan in accordance with the rates of the consulting organization;
    • Expenses for assessing the collateral in accordance with the rates of an independent appraisal organization.

Expenses after a positive decision is taken regarding the provision

  • Expenses for insurance of the collateral subject in accordance with the rates of an insurance company;
  • Expenses related to registration of the collateral for the loan: expenses for payment of state duty, expenses for notarization of documents, as well as expenses for registration of other documents, in accordance with the tariffs of authorized bodies.
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