BIZNESGA OMAD 2 krediti

Within the framework of the loan product and for the part where the total loan amount for one project is ≤100 million soums:

1. Presence of own working capital with a positive indicator (does not apply to business entities that do not have the status of a legalty entity

2. Positive conclusion on the financial results report (form No. 2) (including IPs).

3. Conducting official activities for at least 1 year. Exception - persons included in the list of the Central Bank and who have fully repaid loans received under family programs for 2018–2023.

4. Availability of cash receipts through the account for at least 4 months over the last 6 months (including for the above exceptions).

5. Credit burden not exceeding 50%. If it exceeds - guarantee from a legal entity that meets the following requirements is required:

   • State registration for at least 6 months;

   • Has a positive financial performance report;

   • Has positive working capital;

   • The number of guarantors does not exceed 2;

   • The joint burden on the borrower and guarantors does not exceed 50%;

   • Each guarantor provides a guarantee in the amount of 125%.

6. No overdue debts on existing credits and operations equivalent to credits.

7. No debts overdue for more than 90 days according to KATM.

8. No claims against the client in economic courts (including on guarantee cases) in the last 3 years.

9. No current contracts with the Entrepreneurship Development Company JSC or misuse of previously allocated assistance.

10. No overdue credit debts at related enterprises in the banking system.

11. No debt under file number 2 (a certificate issued by another bank is valid for 30 days).

12. No payment obligations under enforcement proceedings opened in the Enforcement Bureau.

13. Study by the business manager of court cases, MIB cases and other risk factors of suppliers and service providers under the submitted contracts.

• Have been officially active for at least 1 year (exceptions above apply).
• Account activity with at least 4 months of income in the last 6 months.
  Credit load not exceeding 50% (or up to 100% for those included in the CB list). In cases of excess, a guarantee is required:
  A legal entity registered for at least 6 months;
  A positive report (Form 2) and working capital;
  The number of guarantors is no more than 2;
  The total credit load does not exceed 50% (for those included in the list - 100%);
  Each guarantor must provide a guarantee in the amount of 125% of the loan.
• No arrears on existing credits.
  Over the past 60 months:
  31–60 days arrears — no more than 10;
  61–90 days arrears — no more than 3;
  More than 90 days — none at all;
  No credits with a court order or written off the balance sheet — none.
  No claims in the economic court in the last 3 years (including in cases of guarantee).
  No active contracts or cases of misuse with the Entrepreneurship Development Company JSC.
  Absence of “unsatisfactory”, “doubtful” or “hopeless” loans in the banking system and related parties.
  Financial results (Form 2) - positive (applies to a legal entity).
  Presence of positive working capital (for legal entities).
  Absence of overdue credits in related parties.No debt in card number 2 (from another bank - valid for 30 days).
  No more than 2 contracts with extended terms for the principal or interest.
  No outstanding debt under revised contracts.
  No violations of collegial body decisions.
  No cases of misuse of previously obtained credits have been identified (based on the monitoring report).
  Founders / directors do not have overdue debts in other banks as individuals.
  No debt in MIB execution works (by the client, managers and related companies).
  Risks regarding suppliers and contractors are analyzed by the manager.
  

For projects with a total loan amount of more than 100 million sums:

1. Application form

2. Consent of the founders of the borrowing enterprise to obtain a credit, formalized in accordance with the procedure established by current legislation (except for private enterprises and business entities operating without the status of a legal entity);

3. Balance sheet and financial statement of the borrowing enterprise for the last reporting period (submitted electronically to the relevant DSI)

   (except for cases where forms 1 and 2 are electronically received by the bank from the DSI database);

4. The borrower's quarterly balance sheet and financial results report for the last period (if the enterprise was registered after the last fiscal year or received credit funds after the last fiscal year);

5. The borrower's constituent documents

   (if the enterprise is serviced by another bank);

6. Copy of passport of the director and chief accountant of the borrowing enterprise

   (if available)

   (if the enterprise is serviced by another bank);
   

7. Information on the borrower's account turnover in other banks, card debt;

8. Lease agreement related to the place of business, confirmed by cadastre or e-lease

   (except for cases that do not require confirmation by e-lease)

9. Depending on the feature of the project, other documents may be requested.

When property is provided as collateral for a credit

(Business entities operating with or without the status of a legal entity):

1. Report of an independent appraisal organization on the collateral object; 

2. Consent of the founders of the third party (enterprise) pledging the property to pledge the property as collateral for the credit;

3. Constituent documents of the third party enterprise pledging the property

   (if the enterprise is serviced by another bank);

4. Copy of the passport of the director and chief accountant of the third party pledging the property

   (if the enterprise is serviced by another bank).

When providing a guarantee as a credit security

(Business entities operating with or without the status of a legal entity):

1. Consent of the founders of the guarantor enterprise to provide a guarantee;

2. Balance sheet of the guarantor enterprise (submitted to the relevant DSI in electronic form) for the last reporting period, financial results report

   (except for cases where forms 1 and 2 are received electronically by the bank from the DSI database);

3. Quarterly balance sheet of the guarantor enterprise for the last period, financial results report

   (if the enterprise was registered after the last fiscal year or received credit funds after the last fiscal year);

4. Constituent documents of the guarantor enterprise

   (if the enterprise is serviced by another bank);

5. Copy of the passport of the director and chief accountant of the guarantor enterprise (if any)

   (if the enterprise is serviced by another bank);

6. Information on the guarantor's account turnover in other banks, card debt;

7. Other documents may be requested depending on the nature of the project.