TBC Uzbekistan has introduced a new lending solution for small and medium-sized enterprises and individual entrepreneurs, further expanding the capabilities of its TBC Business digital banking platform. The development marks another step in the bank’s strategy to build a fully digital financial ecosystem tailored to the needs of Uzbekistan’s rapidly evolving business sector.
The lending product, integrated directly into TBC Business, provides entrepreneurs with access to short-term financing through a streamlined digital process. Businesses can apply for loans of up to UZS 300 million with repayment periods extending to three years. Initially, the product will be released in a limited Friends & Family testing phase before becoming broadly available to the market.
Digital lending aimed at SME growth
Small and medium-sized enterprises remain one of the most important pillars of Uzbekistan’s economy, accounting for a significant share of employment and business activity across the country. However, access to financing has historically remained a major constraint for many entrepreneurs, particularly those operating in the early stages of business development.
The newly launched lending service is designed to address this challenge by significantly reducing the time and complexity traditionally associated with obtaining business credit. Applications require only a limited set of customer data, while the remaining information needed to determine loan eligibility is sourced automatically through digital channels.
By leveraging advanced data infrastructure and automated risk-assessment models, the system evaluates applications, performs credit scoring and completes underwriting in a matter of minutes. As a result, business clients are able to receive loan approvals and access funds far more quickly than through conventional lending processes.
Technology reshaping financial access
Digitalisation is increasingly transforming financial services across emerging markets, and Uzbekistan has become one of the most dynamic environments for fintech innovation in Central Asia. A young and digitally connected population, combined with growing smartphone penetration, has accelerated the adoption of mobile financial services across both retail and business segments.
In this environment, demand for faster and more flexible credit solutions has grown significantly. The increasing relevance of search phrases such as "онлайн кредит на любую карту" and "pasportga kredit olish" reflects a broader shift in the market toward instant, mobile-based borrowing tools that reduce administrative barriers and expand access to financing.
Financial institutions operating in Uzbekistan are increasingly responding to this shift by introducing digital products capable of delivering faster credit decisions and more convenient user experiences.
Supporting entrepreneurs through data-driven lending
According to TBC Bank Uzbekistan CEO Nika Kurdiani, expanding the TBC Business product suite is part of a broader effort to raise the standard of financial services available to businesses in the country.
She noted that the introduction of digital SME lending builds on the early success of the TBC Business platform and reinforces the company’s long-term commitment to supporting entrepreneurs through technology-driven financial tools.
By relying on automated data analysis rather than traditional collateral-based models, the system enables faster and more inclusive lending decisions. This approach is particularly relevant for entrepreneurs who may not yet have extensive credit histories but operate within Uzbekistan’s increasingly data-rich digital economy.
Part of a broader digital ecosystem
The new lending service forms part of the wider TBC Uzbekistan digital ecosystem, which continues to expand its portfolio of financial products and services.
The group currently operates several interconnected platforms designed to serve both individuals and businesses. These include TBC UZ, a mobile-only bank, Payme, a widely used digital payments application, and Payme Nasiya, a fast-growing instalment financing service.
Together, these platforms have attracted more than 18 million registered users across Uzbekistan, positioning the ecosystem as one of the largest digital financial networks in Central Asia.
Recent product launches have also included the Osmon credit card and the Salom debit card, both aimed at expanding access to everyday banking services and encouraging cashless payments.
A rapidly evolving market
Uzbekistan represents one of the fastest-growing financial markets in the region. The country’s population has reached approximately 37 million people, with nearly 60 percent under the age of 30. This demographic structure has created strong demand for modern financial services that align with mobile lifestyles and digital consumption habits.
At the same time, many segments of the economy remain underbanked, particularly in the SME sector. As businesses increasingly shift toward digital platforms for payments, commerce and operations, the availability of digital financial tools is becoming an essential factor for economic growth.
Looking ahead
TBC Uzbekistan expects the SME lending segment to play an increasingly important role in its overall loan portfolio in the coming years. Early testing of the product within the TBC Business platform has already demonstrated strong demand among entrepreneurs seeking faster access to working capital.
By continuing to expand its digital product offering and invest in technology-driven financial services, the company aims to further strengthen its position within Uzbekistan’s rapidly developing financial landscape.
The launch of digital SME lending represents another step toward building a fully integrated banking ecosystem capable of supporting businesses and individuals alike in one of Central Asia’s most dynamic markets.
