Oasis
Oasis Credit is a Tashkent-based Uzbek microfinance organization extending unsecured and collateral-backed loans to micro and small entrepreneurs, self-employed individuals, salaried consumers, and farmers. It runs a digital application platform (oasis.uz) with myID verification alongside five physical branches, backed by Finnfund, Sturgeon Capital, and Inspiring Development.
- Company typePrivate
- Founded2022
- HeadquartersTashkent, Uzbekistan
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Oasis does
Oasis Credit is a Tashkent-headquartered microfinance organization (MFO) registered and operating under Uzbek law that extends unsecured and collateral-backed loans to micro and small entrepreneurs, self-employed individuals, salaried consumers, and agricultural borrowers in Uzbekistan. Its core products, each with a branded sub-line, include a Microloan for self-employed borrowers (up to 30 million UZS, no collateral, three-hour disbursement), Tezkor Credit (fast same-day funding up to 50 million UZS, no collateral, for entrepreneurs), an unsecured "For Entrepreneurs" facility up to 150 million UZS scaling to 1 billion UZS with vehicle or real-estate collateral, Oasis Start (secured SMB loan up to 300 million UZS), and Agro Credit (agricultural loans with up to 9-month grace periods). Loan tenors extend to 60 months, with no commissions, no early-repayment penalties, and transparent pricing disclosed via an on-site calculator.
The company runs a digital-first origination platform at oasis.uz comprising online application, a loan calculator, and integration with myID.uz for remote KYC — combined with a four-step hybrid process in which an online submission is followed by specialist phone consultation, document upload, underwriting decision, and same-day cash or card disbursement. Distribution is reinforced by five physical branches in Tashkent (two), Samarkand, Chirchik, and Olmaliq, plus organic social channels (Instagram, Telegram, Facebook, LinkedIn). Underwriting explicitly targets segments without formal credit history, building proprietary performance data as the portfolio grows.
Revenue is generated through interest charged on the loan book, with monthly annuity or differentiated repayment schedules. The capital base is provided by three international institutional shareholders — Finnfund (Finnish state-owned DFI), Sturgeon Capital (frontier-markets investor), and Inspiring Development (MFI sector consulting) — under a governance structure staffed by a multinational management team and supervisory board with ProCredit, Finnfund, and emerging-markets VC pedigree. The company publishes audited IFRS financial statements annually (2022–2025), with the 2024 statements audited by Grant Thornton, signaling institutional-grade financial discipline.
Oasis firmographics
Firmographics- Name
- Oasis
- Legal name
- Mikromoliya tashkiloti Oasis Credit (Microfinance Organization Oasis Credit)
- Website
- https://oasis.uz
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Oasis Credit is a Tashkent-based Uzbek microfinance organization extending unsecured and collateral-backed loans to micro and small entrepreneurs, self-employed individuals, salaried consumers, and farmers. It runs a digital application platform (oasis.uz) with myID verification alongside five physical branches, backed by Finnfund, Sturgeon Capital, and Inspiring Development.
- Ownership category
- akta.pro rank
Oasis industry classification
Industry- Product category
- Microfinance
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)
- akta.pro secondary industry
- Equipment & Asset Finance (SME) (FSAKAGAF)
Keywords
Where Oasis is headquartered
LocationHeadquarters
- HQ city
- Tashkent
- HQ country
- Uzbekistan
- HQ region
- Asia
Offices5 records
Markets served
Oasis business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Microcredit Lending: Oasis Credit operates as a microfinance organization (MFO) providing various loan products to individuals and businesses, generating revenue through interest charged on loans. Products include secured loans, unsecured loans for entrepreneurs, microloans for self-employed, agricultural loans, and collateral-based lending against vehicles and real estate.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Microloan for Self-Employed - Up to 30 million UZS without collateral, disbursed within 3 hours |
| Unit Pricing | Monthly | Tezkor Credit - Fast loan up to 50 million UZS for entrepreneurs and self-employed without collateral |
| Unit Pricing | Monthly | For Entrepreneurs - Up to 150 million UZS without collateral, up to 1 billion with collateral |
| Unit Pricing | Monthly | Oasis Start (Secured Loan) - Up to 300 million UZS for small and medium business development |
| Unit Pricing | Monthly | Car and Real Estate Collateral - Up to 100 million UZS with decision within 3 hours |
| Unit Pricing | Monthly | Agribusiness Loans - Loans for agricultural sector with grace period up to 9 months |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Oasis product offering
Product offeringCore offering
Oasis Credit is a microfinance organization providing collateral-free and collateral-based loans to small businesses, individual entrepreneurs, self-employed individuals, and farmers in Uzbekistan. Its product suite spans microloans up to 30 million UZS (disbursed within 3 hours), fast Tezkor Credit up to 50 million UZS, unsecured loans for entrepreneurs up to 150 million UZS (up to 1 billion with collateral), secured Oasis Start up to 300 million UZS, vehicle and real estate collateral loans, and agribusiness loans with grace periods up to 9 months.
Differentiator
Problem solved
Functional benefit
Brands
- Oasis Start: Secured loan product for small and medium business development with loan amounts up to 300 million UZS
- Tezkor Credit
- Agro Credit
- Microloan
Products and services
- Microloan for Self-Employed Quick, unsecured microloan of up to 30 million UZS available to self-employed individuals in Uzbekistan without credit history, with same-day (3-hour) disbursement, no collateral, and no hidden commissions. Designed for individuals who lack formal documentation to access bank credit.
- Tezkor Credit Fast, unsecured loan product offering up to 50 million UZS to private entrepreneurs and self-employed individuals in Uzbekistan, with same-day funding and cash disbursement at branch offices, and no collateral requirement.
- For Entrepreneurs Loan for individual entrepreneurs in Uzbekistan of up to 150 million UZS unsecured, extendable up to 1 billion UZS with vehicle or real estate collateral, with no extra fees and flexible terms.
- Oasis Start Secured loan product for small and medium business development in Uzbekistan, providing up to 300 million UZS with flexible repayment terms and no penalty for early repayment. Targeted at established SMEs seeking growth capital.
- Car and Real Estate Collateral Loan Loan product for individuals and small businesses in Uzbekistan secured against vehicles or real estate, providing up to 100 million UZS with 3-hour decisioning, no commissions, and flexible repayment terms including early repayment.
- Agribusiness Loans (Agro Credit) Agricultural-sector loan product for farmers and agribusinesses in Uzbekistan with grace periods of up to 9 months to align repayment with harvest cycles, and flexible repayment via annuity or differentiated schedules.
Quantifiable outcome
- Loan processing within 1 day for standard applications
- +2 more outcomes
Companies that use Oasis
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Oasis technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Oasis partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
Oasis competitors and assessment
Company assessmentEmerging players
- Branch International: Digital-first microfinance and SME lender serving thin-file borrowers in emerging markets via mobile. Comparable to Oasis's digital funnel and underserved borrower focus, with a stronger technology-led origination model.
- Tala: Global digital lender providing microcredit to underserved customers using alternative data underwriting. Relevant comparable for Oasis's ambition to digitize underwriting for borrowers without traditional credit history.
Direct peers
- XacBank: Mongolian bank with deep microfinance and SME lending heritage, similar mission and customer base to Oasis. Oasis's Credit Network Director has direct XacBank-region operating experience, making it a close regional comparable.
- Asia Alliance Bank: Uzbek commercial bank with a growing focus on SME and retail lending. Overlaps with Oasis's borrower segment and product mix while offering deposit-funded balance sheet scale Oasis cannot match as an MFO.
- FINCA Microfinance (Tajikistan/Uzbekistan): Global microfinance network with operations in Uzbekistan and other CIS countries serving low-income entrepreneurs. Directly competes with Oasis for unsecured microloans and group lending in overlapping geographies.
- Hamkorbank: One of Uzbekistan's largest private banks with a strong SME and microfinance focus and a nationwide branch network. Competes head-to-head with Oasis on Uzbek SME lending while operating at materially larger scale.
- Kompanion Bank: A Central Asian microfinance-focused bank serving rural and SME borrowers in Kyrgyzstan with similar unsecured and group-lending products. Highly comparable to Oasis in mission, customer segment and emerging-market microfinance model.
- IMON International: Tajikistan-headquartered microfinance institution providing MSME loans across Central Asia. Oasis's CRO has prior IMON-region experience and the institution directly competes for the same thin-file SME borrower profile.
Broad incumbents
- ProCredit Holding: International banking group focused on SME and microfinance lending across Eastern Europe, the Caucasus and Central Asia. Oasis's supervisory board includes former ProCredit CEOs; ProCredit is a broader-incumbent benchmark for where Oasis could evolve as it scales.
Others
- Kiva: Global crowdfunded microfinance platform. Not a direct competitor but a thematic adjacent — both channel capital to underserved micro-entrepreneurs in emerging markets and share the financial inclusion mission Oasis markets to.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Oasis social profiles
Digital presenceOasis financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oasis leadership team
Management profileNumber of profiles
Profiles11 records
Oasis funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oasis M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oasis
What does Oasis do?
Oasis Credit is a microfinance organization providing collateral-free and collateral-based loans to small businesses, individual entrepreneurs, self-employed individuals, and farmers in Uzbekistan. Its product suite spans microloans up to 30 million UZS (disbursed within 3 hours), fast Tezkor Credit up to 50 million UZS, unsecured loans for entrepreneurs up to 150 million UZS (up to 1 billion with collateral), secured Oasis Start up to 300 million UZS, vehicle and real estate collateral loans, and agribusiness loans with grace periods up to 9 months.
Is Oasis a public or private company?
Oasis is a private company. It is classified as venture growth investor backed and is currently operating.
When was Oasis founded?
Oasis was founded in 2022. It employs 11 to 50 people.
Where is Oasis based?
Oasis is headquartered in Tashkent, Uzbekistan, in the Asia region.
How does Oasis make money?
One revenue line is on record: microcredit Lending.
Who are Oasis's main competitors?
Emerging players on record are Branch International and Tala. Direct peers are XacBank, Asia Alliance Bank, FINCA Microfinance (Tajikistan/Uzbekistan), Hamkorbank, Kompanion Bank and IMON International. ProCredit Holding is listed as a broad incumbent. Kiva is listed as an others.
Does Oasis have an API?
No public API is recorded for Oasis.
What industry is Oasis in?
Oasis's product category is Microfinance. Its primary akta.pro industry code is FSAKAGAJ, SME Lending Platforms & Embedded SME Credit, with a secondary code of FSAKAGAF, Equipment & Asset Finance (SME). Its SIC code is 6153.