Microloan for the self-employed
Reliable financial support for current business expenses
Credit amount
Interest rate*
Maturity date
Grace period
Calculator
How to get a credit?
Get a preliminary consultation by phone or at the bank's office
Submit the necessary documents to the bank and wait for a favourable decision
Sign a credit agreement with the bank
Passport or ID-card
Self-employment registration
Certificate of social tax payment
The credit is issued to citizens of the Republic of Uzbekistan aged from 18 to 65 years old.
SMS
Send to number 2500
At the bank
In bank offices
From card
Via SQB mobile app
Purpose of the loan:
covering the initial costs of starting a business
Loan amount:
up to 30 million soums plus insurance premium for the risk of non-repayment of this microloan
Micro loan term:
up to 36 months
Free period:
up to 6 months
Rate of repayment:
every month
Method of repayment:
annuity - equal amounts at equal intervals
differentiated - the monthly payment decreases each time
Interest rate:
25 %
Types of collateral provided:
up to 15 million soums:
- individual guarantee;
- credit default insurance policy;
- a vehicle (not older than 5 years);
- a non-residential premises.
up to 30 million soums:
- a vehicle (not older than 5 years);
- a non-residential premises.
Additional conditions and explanations:
- Microloans cannot be allocated to employees of JSCB “Uzsanoatqurilishbank” through this loan product;
- The total outstanding debt of the borrower, taking into account the balance of all microloans available in the bank and other banks, should not exceed 100 million soums.
- Self-employed individuals (borrowers) who have used this type of loan in the Uzsanoatqurilishbank system are allowed to reuse this loan after paying off their current debt.
- Be at least 18 years old and no older than 65 years old (including 65 years) on the date of application for a loan.
- Have a permanent/informal job, as well as a source of income not prohibited by law and confirmed by documents, sufficient to pay the accrued interest and principal on the microloan each month in accordance with the repayment schedule.
- Be registered as a self-employed person and pay social tax
Salary (at least 6 months).
Old-age pension.
Personal assistant, farmer, individual entrepreneur, the main account of which is 10% of all cash receipts (at least 6 months).
Income received as a result of self-employment.
When receiving a microloan:
Identity document (passport or other identification document)
certificate of registration with the tax service as a self-employed person
certificate of income (official income can also be provided through the bank's electronic system)
document or certificate confirming payment of social tax
authorisation from the assistant mayor of the city to issue a microloan.
other documents specified in the legislation may also be required.
Application sent Last updated date: 05.09.2025 12:20
