Step into the Future

Loan Products

“First Step into Entrepreneurship” Loan

Parameter	Conditions
Loan Purpose	Financial support for the business ideas of self-employed individuals and young graduates starting their own businesses.
Borrower	Self-employed young people and graduates under the age of 31.
Loan Amount	Up to UZS 20 million.
Interest Rate	Central Bank's key interest rate + 1%.
Loan Term	18 months.
Grace Period	6 months.
Funding Source	Fund for Reconstruction and Development.
Collateral	An insurance policy covering the risk of loan default.
Special Conditions	No negative credit history. The borrower must be an individual aged 18 or older and not older than 31 on the date of application.
Disqualifying Factors	Negative credit history. Overdue loan debt.

“Business Start” Loan

Parameter	Conditions
Loan Purpose	Financing entrepreneurial projects developed by graduates and young people who possess the necessary business skills and wish to start their own businesses as entrepreneurs.
Borrower	Graduates of higher education institutions operating as individual entrepreneurs, as well as young people. Legal entities whose founder or head is a higher education graduate or a representative of young people.
Loan Amount	Up to UZS 300 million.
Interest Rate	Central Bank's key interest rate + 1%.
Loan Term	Up to 60 months for the purchase of fixed assets. Up to 36 months for replenishing working capital.
Grace Period	Up to 12 months for the purchase of fixed assets. Up to 6 months for replenishing working capital.
Funding Source	Fund for Reconstruction and Development.
Collateral	For loans up to UZS 100 million — an insurance policy. For loans exceeding UZS 100 million — liquid collateral.
Special Conditions	Participation in the “Step into the Future” (“Kelajakka Qadam”) programme by individual entrepreneurs, graduates establishing legal entities, and young people. No negative credit history. The graduate must have completed university no more than five years ago. The borrower (young entrepreneur) must be an individual aged 18 or older and not older than 31 on the date of application.
Disqualifying Factors	Negative credit history. Overdue loan debt.

“Business Development” Loan

Parameter	Conditions
Loan Purpose	Financing entrepreneurial projects of students and young people who have started their own businesses and aim to expand their activities.
Borrower	Graduates of higher education institutions operating as individual entrepreneurs, as well as young people. Legal entities whose founder or head is a higher education graduate or a representative of young people.
Loan Amount	Up to UZS 2 billion.
Maximum Amount	Calculated without taking the client's existing loan liabilities into account.
Interest Rate	Central Bank's key interest rate + 1%.
Loan Term	Up to 84 months for the purchase of fixed assets. Up to 36 months for replenishing working capital.
Grace Period	Up to 24 months for the purchase of fixed assets. Up to 6 months for replenishing working capital.
Funding Source	Fund for Reconstruction and Development.
Collateral	Liquid collateral covering 125% of the loan amount.
Special Conditions	Participation in the “Step into the Future” (“Kelajakka Qadam”) programme by individual entrepreneurs and graduates establishing legal entities. No negative credit history. Creation of at least two jobs. The graduate must have completed university no more than five years ago. The borrower (young entrepreneur) must be an individual aged 18 or older and not older than 31 on the date of application.
Disqualifying Factors	Negative credit history. Overdue loan debt.

“Student Investments” Loan

Parameter	Conditions
Loan Purpose	Financing production and service-sector business projects of enterprises that employ graduates of higher education institutions and young people under the age of 31.
Borrower	Business entities that employ graduates of higher education institutions or young people.
Loan Amount	Up to UZS 10 billion.
Maximum Amount	Calculated without taking the client's existing loan liabilities into account.
Interest Rate	Central Bank's key interest rate + 1%.
Loan Term	Up to 84 months for the purchase of fixed assets. Up to 36 months for replenishing working capital.
Grace Period	Up to 24 months for the purchase of fixed assets. Up to 6 months for replenishing working capital.
Funding Source	Fund for Reconstruction and Development.
Collateral	Liquid collateral covering 125% of the loan amount.
Special Conditions	If the employment contract with a graduate or young employee hired under the preferential loan programme is terminated within two years, the loan interest rate will change to the commercial rate from the date of termination. This does not apply if another graduate or young person is hired to replace the employee within one month. The presence of account turnover. The project initiator must contribute at least 30% of the project cost from their own funds.
Disqualifying Factors	Negative credit history. Overdue loan debt.

Projects

Brief Overview of Startup Ideas

Startup projects developed by students of the Tashkent Branch of D. I. Mendeleev University of Chemical Technology are aimed at advancing innovation, environmental sustainability, and technology.

Main Projects:

Smart Greenhouse — growing environmentally friendly products.
Engineering Software — automating engineering calculations.
Fast-Growing Tomatoes — increasing crop yields.
Smart Asphalt Technology — improving road quality.
Battery Recycling — extracting valuable components from used batteries.
Green Quest ECO — innovative solutions to environmental challenges.
Plastic Waste Recycling — producing environmentally friendly construction materials.
SmartVision — developing smart glasses.
Smart Packaging — monitoring product quality.
Tourism Agency — developing local tourism services.

Conclusion: These startup projects contribute to the implementation of new technologies, solving environmental problems, developing entrepreneurship, and creating new jobs.