Yosh Tadbirkor Microloan
Supporting Young Entrepreneurs!
Credit amount
Credit interest rate
Credit term
Grace period
How to get a microloan ?
Receive an initial consultation by phone or at a Bank branch
Submit the required documents to the Bank and await approval
Sign a loan agreement with the Bank. The funds will be transferred by bank transfer to the settlement account of the supplier of goods, works or services.
Passport or ID card
Proof of income
Proof of registration as a self-employed person
Certificate confirming the payment of social tax
Agreement for the purchase of goods, works or services
Documents relating to the security provided
The loan is available to citizens of the Republic of Uzbekistan between 18 and 30 years of age, inclusive.
SMS
By sending to 2500
By bank
In any bank offices
Bank cards
By SQB Mobile app
Calculator
Purpose of the loan:
financing business activities in the following sectors:
- industry;
- services;
- retail trade;
- food services;
- tourism;
- handicrafts;
- home-based work;
- jewellery making;
- agriculture, including production, storage and processing;
- construction and modernisation of production facilities.
Important: the loan may not be used for the production or sale of alcoholic beverages or tobacco products, wholesale trade, repayment of existing loans, or the purchase of passenger vehicles that will not be used for business purposes.
Loan amount:
up to UZS 100 million
Microcredit term:
up to 5 years
Grace period:
- for principal repayments — up to 12 months;
- for interest payments — up to 3 months.
The grace period applies only when the declining balance repayment method is selected.
Repayment frequency:
monthly
Repayment method:
- annuity — equal payments made at regular intervals;
- declining balance — monthly payments gradually decrease.
Interest rate:
the Central Bank’s policy rate plus 4 percentage points
Microcredit security:
one of the following forms of security is accepted:
- surety provided by a third party;
- insurance policy;
- non-residential property;
- a motor vehicle manufactured no more than 5 years ago.
Additional terms:
- the loan is financed by the State Target Fund for the Development of Youth Entrepreneurship;
- another loan may be obtained once the current loan has been repaid in full;
- the use of the loan proceeds for their intended purpose will be monitored;
- the loan is not available to Bank employees or related parties.
Basic requirements:
- citizenship of the Republic of Uzbekistan;
- between 18 and 30 years of age, inclusive;
- registration as a self-employed person;
- payment of social tax;
- sufficient income to repay the loan;
- a business plan;
- no overdue loan payments.
Additional requirements:
- the borrower’s credit history for the preceding 24 months is subject to mandatory review;
- the loan application will be declined if the borrower has had payments overdue by more than 90 days on more than two occasions;
- the debt burden ratio must not exceed 50%.
- a passport or another identity document;
- proof of income, which may be obtained through the Bank’s electronic systems;
- an agreement with the supplier of goods, works or services;
- documents relating to the security provided;
- proof of registration as a self-employed person;
- a document confirming the payment of social tax.
The Bank reserves the right to request additional documents in accordance with applicable law.
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Application sent Last updated date: 18.09.2026 16:21
