Oasis

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.

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

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

• Microfinance lending
• Small business loans
• Microcredit services
• Agricultural lending
• Consumer credit

Headquarters

HQ city

Tashkent

HQ country

Uzbekistan

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core 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

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging 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

• Facebookfacebook.com/OasisCredit
• LinkedInlinkedin.com/company/oasis-credit-uzb
• Instagraminstagram.com/oasis_credit_uz/?igshid=NzNkNDdiOGI%3D

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oasis