catalogue · 7 products
Islamic and conventional — in one stack.
Each MFO tenant chooses its profile at the application stage. The profile is immutable — a requirement of the Shariah Board and of our anti-mixing policy.
tenant profile · immutable Apply
comparison matrix
Which to choose: the Islamic profile or the conventional one.
| Parameter | islamicIslamic profile | conventionalConventional |
|---|---|---|
| Subject of the deal | A real asset (goods, equipment, a share) | A sum of money |
| Platform profit | Markup on the sale | Interest rate · fees |
| Collateral | The purchased asset itself | Pledged collateral or a guarantee |
| Term (maximum) | 36 months (Murabaha) | 60 months (microloan for LE / sole proprietor) |
| Overdue | Charity Liability — no income for the MFO | Penalty + late fee per the contract |
| Deposits / savings | No (ZRU-765) | No (ZRU-765) |
| Anti-cross-collateralization | HS-10 · strict Shariah Board control | — |
| Interface locales | ru · uz-Latn · uz-Cyr · en · ar (opt.) | ru · uz-Latn · uz-Cyr · en |
Hybrid is not supported. One MFO tenant = one profile. Switching after creation is impossible (Shariah policy + ADR-029).
full catalogue
Every product — with limits and terms.
islamic MURABAHA
Murabaha
A sale with a fixed markup. The asset passes to the customer from the first payment.
limit500M UZS term36 мес
conventional MC-LE
Microloan for LE / sole proprietor
Lending to legal entities and sole proprietors. The limit is set by the CBU.
limit300M UZS term36 мес
conventional MC-PA
Cash loan for individuals
Unsecured loan for individuals. Rates from 22% per year.
limit100M UZS term24 мес
conventional FACTOR
Factoring
Purchase of receivables. Recourse / non-recourse — set per deal.
limit5B UZS term180 дней
conventional LEASE
Leasing
Financial and operating leasing. Equipment, vehicles, real estate.
limit10B UZS term84 мес
conventional GUAR
Bank guarantee
Tender and payment guarantees. Optionally with coverage.
limit2B UZS term24 мес
conventional OVD
Overdraft
A revolving credit line. Legal entities only.
limit500M UZS term12 мес
ready to launch?
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.