Corporate loans tariffs

State program “Loans under 5-7-9%”. Tariffs and conditions.

Type of credit Nonrevolving credit line Revolving credit line
Validity period of a line (tranche) Up to 5 years Up to 2 years.
Credit line amount From 100,000 (maximum amount is not limited)*
Loan amount Up to 80% of the cost of investment project Up to 25% of the cost of investment project financed by credit funds - for expenses that are an integral part of such project implementation**
Rate
  • 7% or 9% per annum - in the first quarter (depending on the amount of income received per group for the last reporting year).
  • From 5% to 9% per annum - from the next quarter (depends on the number of new jobs, reviewed quarterly)
Compensation % from the state Monthly to the interest account
Delivery method Tranches to the supplier's account with control of compliance with the intended use Tranches to the borrower's account with control of compliance with the intended use
Schedule Equal parts or adaptive (deferral of the loan body repayment for farmers - up to 6 months, repayment of % - on the 1st day of each month). Turnover of tranches is 90/180/270 days (for farmers). Repayment of % - on the 1st day of each month
Security for the loan Real estate/motor vehicles/agricultural machinery/equipment + guarantee of the physical person - the owner of the business Real estate/motor vehicles/agricultural machinery/equipment + guarantee of the physical person - the owner of the business 
Fee 1%/1.5% (one-time, charged when a loan is issued) - for existing businesses / startups
Securing the principal debt from the state For startups
Obligatory conditions For startups: presence of a high-quality business plan (training is available under the program sme.gov.ua/579start)
* The maximum amount of the loan is not enclosed, but the amount of state support cannot exceed ekv. EUR 200,000 for a three-year period per group.
** The revolving credit line can be granted as an addition to the loan for investment purposes.

Leasing. Tariffs and conditions

Lease term from 12 to 60 months
Funding amount starting from UAH 200,000
Rates in UAH From 0.01%’* to 11% per annum
One-time fee 0.5% of financing amount
Pre-payment starting from 20% of the leased item cost
Payment schedule Monthly or by seasonal schedule, at least 2   times a year, payment of % – monthly
Insurance annually, according to the rates of insurance   company accredited by the bank
Security for the loan 1) Leased equipment that is - based on the lease   agreement; 2) guarantee

“Business-installments” loan facility. Terms and tariffs

Loan type Non-revolving credit line
Term from 3 months to 5 years
Rate from 10.5% per annum
One-time fee from 0.25% to 0.5% of financing amount
Currency UAH
Funding amount from UAH 200 000 to UAH 100 000 000
Pre-payment from 20% of the value of the purchased property
Purchased property commercial transport, agricultural machinery, special equipment
Payment schedule monthly in equal installments/payments, adapted (taking into account the seasonality of business. Interests repayment - monthly
Insurance annually according to the
insurance company accredited by the bank

“Agroseason” loan facility. Terms and tariffs

Type of credit Revolving credit line with registration of urgent stages of financing
Term of the line/stage of financing (within the line) Up to 36 months/up to 12 months
Funding amount from UAH 500 000
Interest rate From 10.5% per annum
One-time fee From 0.25 to 0.5% of financing amount 
Funding period From February to November (inclusive), within the calendar year
Principal debt repayment Flexible schedule, seasonally adjusted; loan repayment: December - 20%, January - 30%, February - financing stage full reduction to zero
Repayment of interest Monthly on the 25th day
Security for the loan Real estate, transport, agricultural machinery and equipment, integral property complexes, equipment