University — University news — Step into the Future
Loan products
Preferential loans: amount, term, grace period and interest rate
Preferential loan products
Under the “Step into the Future” (“Kelajakka qadam”) programme, the National Bank of Uzbekistan (NBU) provides preferential loans for business projects of university graduates, students and young people, as well as for businesses that employ them. The terms of each loan product are listed separately below.
Quick comparison
| Loan product | Loan amount | Loan term | Grace period |
|---|---|---|---|
| “Tadbirkorlikka ilk qadam” | up to UZS 20 million | up to 18 months | up to 6 months |
| “Biznes start” | up to UZS 300 million | up to 5 years | up to 1 year |
| “Biznes progress” | up to UZS 2 billion | up to 7 years | up to 2 years |
| “Talaba invest” | up to UZS 10 billion | up to 7 years | up to 2 years |
The interest rate for all products is the Central Bank base rate + 1%.
For “Biznes start”, “Biznes progress” and “Talaba invest”, working capital loans have a term of up to 36 months and a grace period of up to 6 months.
“Tadbirkorlikka ilk qadam” (“First Step into Entrepreneurship”)
The “Tadbirkorlikka ilk qadam” loan finances business projects of university graduates and young people.
Who it is for: self-employed graduates and young people who want to take their first step in business.
- Loan amount — up to UZS 20 million;
- Loan term — up to 18 months;
- Grace period — up to 6 months;
- Interest rate — Central Bank base rate + 1%.
“Biznes start” (“Business Start”)
The “Biznes start” loan finances business projects of university graduates and young people.
Who it is for: graduates and young people with the necessary business skills who want to start their own business as a registered entrepreneur.
- Loan amount — up to UZS 300 million;
- Loan term — up to 5 years (for working capital — up to 36 months);
- Grace period — up to 1 year (for working capital — up to 6 months);
- Interest rate — Central Bank base rate + 1%.
Requirements:
- The borrower must be the director or founder of the business.
- Collateral is required (up to UZS 100 million — an insurance policy is accepted).
- No negative credit history.
- No overdue debt.
“Biznes progress” (“Business Progress”)
The “Biznes progress” loan finances business projects of university graduates and young people.
Who it is for: students and young people who have already started a business as a registered entrepreneur and plan to expand it.
- Loan amount — up to UZS 2 billion;
- Loan term — up to 7 years (for working capital — up to 36 months);
- Grace period — up to 2 years (for working capital — up to 6 months);
- Interest rate — Central Bank base rate + 1%.
Requirements:
- The borrower must be the director or founder of the business.
- Collateral is required.
- At least 2 jobs must be created.
- No negative credit history.
- No overdue debt.
“Talaba invest” (“Student Invest”)
The “Talaba invest” loan finances businesses that employ university graduates and young people.
Who it is for: businesses that employ students and young people under the age of 31.
- Loan amount — up to UZS 10 billion;
- Loan term — up to 7 years (for working capital — up to 36 months);
- Grace period — up to 2 years (for working capital — up to 6 months);
- Interest rate — Central Bank base rate + 1%.
Requirements:
- At least 1 graduate must be hired for every UZS 1 billion of the loan (if the condition is not met, the interest rate changes to the commercial rate).
- Collateral is required.
- No negative credit history.
- No overdue debt.
More information: nbu.uz, phone: (78) 148 00 10.
Loan terms are based on materials of the National Bank of Uzbekistan (September 2026). Please confirm the current terms with the bank before applying.