Conventional products — CBU limits by default.
The catalogue is built for the ZRU-765 MFO regime: microloans up to 300M, cash loans up to 100M, factoring, leasing, guarantees. No deposits.
Microloan for LE / sole proprietor
Legal entities and sole proprietors. Secured or unsecured — decided per deal. Annuity / equal instalments / bullet.
Cash loan for individuals
Unsecured loan for individuals. Rates from 22% per year. KYC tier 2 required.
Factoring
Purchase of receivables. Recourse / non-recourse — set on each deal.
Leasing
Financial and operating. Equipment, vehicles, commercial real estate.
Bank guarantee
Tender and payment guarantees. With or without coverage — at underwriting discretion.
Overdraft
A revolving credit line. Legal entities only. The limit is reviewed quarterly.
No deposits or savings.
MFOs in Uzbekistan are not deposit-taking institutions under the Republic of Uzbekistan Law on Microfinance Activity (ZRU-765). Active operations only. Taking deposits as a non-bank credit organization requires a separate microfinance bank licence (PP-364). The platform will not let you create a deposit product by mistake.
8 weeks to your first disbursement in production.
Apply as an MFO or as a merchant partner. The tezfin team will reach out within 1 business day.