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Update: 16 January 2025, 14:24

Factoring


Terms of Conducting Factoring Operations

1

Users of Factoring Services

Business entities operating for more than a year

2

What is Factoring Services

A type of banking service for financing business entities (suppliers), in which they grant the bank (financial agent) the right to receive payment accepted by the buyer under deferred payment contracts concluded in accordance with the law.

 

4

Currency of Factoring Services

National currency

5

Duration of Factoring Services

Up to 180 days

7

Minimum Amount of Factoring Services

50 million UZS

8

Discount Rate for Factoring Services

Up to 90 days - not less than 6%

Up to 180 days - not less than 8%

9

Requirement for Payer's Debt

The payer must not have overdue payables

10

Required Documents

-     a contract for sale, work, or service provision, signed by the payer and drawn up in accordance with regulations;

-     documents confirming the transfer of goods, completion of work, or provision of services (goods transport invoices, copies of powers of attorney, acceptance acts, etc.);

-     a list of the payer's bank accounts opened with other banks;

-     additional documents may be required during the review of the credit application.

11

Turnover and Debt Burden of the Business Entity*

Business entities with stable cash flows must have a debt burden ratio of not less than 2

12

Bank Account in the "Microcreditbank" System

Must be the primary account

13

Profit in the Financial Statement (Form №2)

The financial year must end with profit

14

Requirement for Balance Sheet as of the Last Reporting Date

The residual value of fixed assets must be not less than 125% of the factoring amount

15

Debt of Related Organizations

Related organizations must not have debts under "Cartoteka-2" or overdue loan liabilities.

*DB = average monthly turnover of the borrower's account / average monthly payments for factoring services and existing loans.

Exchange Rates
  • At the exchange office
  • At an ATM
  • In the application
  • Transfers abroad
CurrencyPurchaseSaleRate of the Central Bank
USD129101299012971.93
EUR128001380013394.81
GBP155001650016096.87
JPY709085.23
CHF138001480014250.17
As of 11.02.2025 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD125001299012971.93
As of 11.02.2025 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD129201298012971.93
As of 11.02.2025 09:00:00
CurrencyPurchaseSaleRate of the Central Bank
USD129101299012971.93
As of 11.02.2025 09:00:00

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