"Second Step to Business" microcredit product
Get a loan to support your business activities
Credit amount
Up to 50 mln sums
Credit interest rate
29,9 %
Credit term
Up to 36 months
Grace period
Up to 6 months
How to get a "Second Step to Business" credit?
Steps to get a credit:
Get initial advice by phone or at a bank office
Submit the necessary documents to the bank and wait for the bank's positive decision
Sign a loan agreement with the bank and transfer your funds to your card (cashless transfer)
Necessary documents:
Passport or ID-card
Self-employment registration
Document confirming payment of social tax (or certificate)
The credit is provided to citizens of the Republic of Uzbekistan aged 18 to 65.
Credit payment methods:
SMS
By sending to 2500
By bank
In any bank offices
Bank cards
By SQB Mobile app
Usefull to know
Basic information
Purpose of microcredit:
Financial support for self-employed citizens to develop their activities
Microcredit amount:
Up to 50 million soums (including insurance premium for the risk of loan non-repayment)
Microcredit term:
Up to 36 months
Grace period:
Up to 6 months
Payment period:
monthly
Payment method:
annuity - equal amounts at regular intervals
differential - a decreasing amount
Interest rate:
29,9 %
Types of collateral provided:
Up to 20 mln sums
Individual guarantee (up to 3 guarantors).
Insurance policy against the risk of non-repayment of the credit.
Autotransportations (no more than 5 years since manufacture).
Non-residential premises.
Up to 50 mln sums:
Autotransportationsi (no more than 5 years since manufacture).
Non-residential premises.
he value of the collateral must be at least 125% of the credit amount.
Additional terms and conditions:
This credit is not available to bank employees.
The client has the right to re-apply for the loan after paying off the existing debt in full.
The credit amount is transferred only to a bank card, no cash is issued.
The credit is financed from the bank's own funds or borrowed funds.
Requirements for the borrower:
- Must be at least 18 years old on the date of the loan application and not older than 70 years (70 years inclusive) at the time of the final loan repayment;
- Must be registered as self-employed and paying social taxes.
- Must be at least 18 years old on the date of the loan application and not older than 70 years (70 years inclusive) at the time of the final loan repayment;
- Must have a permanent job, including income from salary, pension, dividends, rental property, as well as other income sources not prohibited by law and confirmed by documents, sufficient to cover the monthly payment of accrued interest and principal debt according to the repayment schedule.
Documents to be submitted by the borrower:
Documents to be submitted by the guarantor:
- Passport or other identity document (the borrower has the right to submit it digitally using the UIPSP — the Unified Interactive Public Services Portal). If the borrower is a military serviceman, after visual identification of his military ID, a copy of his passport or other identity document is taken;
- Certificate of registration as a self-employed person with the State Tax Service;
- Collateral documents. If property is pledged as collateral, an independent appraiser’s report is required;
- Document (or certificate) confirming payment of social taxes;
Documents to be submitted by the guarantor:
- Passport or other identity document (the guarantor has the right to submit it digitally using the UIPSP — the Unified Interactive Public Services Portal). If the guarantor is a military serviceman, after visual identification of his military ID, a copy of his passport or other identity document is taken;
- Information about income / electronic data (can also be obtained through the bank’s electronic system);
Additionally, other relevant documents as required by law may also be requested.
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Application sent Last updated date: 04.09.2025 17:43
