Credit line

Working capital loans – for up to 3 years.

Financing of investment goals – for 5 years.

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Credit line for SME

Investment loan for SME

Credit line for corporate clients

Credit line for SME Investment loan for SME Credit line for corporate clients

Аdvantages

• The loan amount may reach UAH 3 million.
• Minimum package of documents.
• The interest repayment period is monthly, and the loan body can be selected every 90, 180 or 270 days.
• You can repeatedly use credit funds within the established limit.
• Possibility of receiving interest compensation under the state program "Affordable Loans 5-7-9%".

Credit terms

Loan purpose	Revolving credit line
Loan currency	UAH, USD, EUR
Tenor of agreement	from 1 to 3 years
Amount	from 500,000 to 3,000,000 UAH from 18,000 to 105,000 USD from 15,000 to 90,000 EUR
Rate	90 days UAH – 13%; EUR – 4.5%; USD – 5.5%; 180 days UAH – 14%; EUR – 5%; USD – 6%; 270 days UAH – 15%; EUR – 5.5%; USD – 6.5%
Front-end fee	1% of the loan amount (UAH); 0.5% of the loan amount (EUR, USD)
Repayment order	interest-monthly; setting to zero every 90 / 180 / 270(for agrarians) days
Loan collateral	goods in circulation, real estate, equipment, vehicles, agricultural equipment, in addition - a guarantee from an individual - a business owner

Аdvantages

• Possibility to receive funds and use them in stages, according to the project plan.
• No commissions for the unused loan amount, possibility of early repayment without commission.
• Possibility of receiving interest compensation under the state program "Affordable Loans 5-7-9%".
• You can get up to 25% of the investment project amount as a working capital replenishment credit line under the state program "Affordable Loans 5-7-9%".

Credit terms

Type of loan	Non-revolving credit line
Loan purpose	financing of any seasonal production cycle, project implementation, investment goals, purchase of fixed assets, refinancing loans from other banks
Loan currency	UAH
Tenor of agreement	from 1 to 5 years
Amount	from 200,000 to 10,000,000 UAH
Rate	13%
Front-end fee	1% of the loan amount
Repayment order	interest-monthly; principal amount of a loan - in equal installments/individual schedule (for seasonal business)
Loan collateral	goods in circulation, real estate, equipment, vehicles, agricultural equipment, in addition - a guarantee from an individual - a business owner

Credit terms

These terms and conditions apply for registration of new transactions and do not serve as a basis for revising the terms and conditions under existing agreements. The final decision on the rate and commissions is made depending on the amount of financing, types of collateral and cooperation on other products of the bank.

Loan type	Loan facility
Loan purpose	replenishment of working capital
Loan currency	UAH, USD, EUR
Tenor of agreement	1 year with possible prolongation
Amount	without restrictions
Interest rate	UAH - from 10,25 % p/a USD - from 4,0% p/a EUR - from 3,5% p/a
Commission	from 0.25% to 1% of amount
Repayment order	according to the personalized schedule, monthly interest payment
Loan collateral	movable/immovable property *

The decision on the rate and commissions is made depending on the terms and amounts of financing, types of collateral and cooperation on other products of the bank.

* The rate can be reduced in case of complex use of bank products (salary project, foreign trade, currency exchange operations, collection, acquiring, payment acceptance and other banking products).

Refinancing programs for loans from other banks

Currency UAH, USD, EUR, including granting a loan in UAH to refinance a loan in foreign currency.

Amount - from the equivalent of 10 million UAH.

Increase the loan term by 6-12 months, including changes in the repayment schedule.

Providing a discount from the effective rate in another bank (without additional commissions) or from the nominal rate under the agreement in another bank with similar other commissions.

Registration of collateral of the second charge with subsequent reissue in the first charge after the repayment of the loan in another bank.

Transfer of turnover and Salary Project in the amount not less than PrivatBank's share in the client's loan portfolio.

Frequently Asked Questions

What is a loan facility?

1. Revolving loan facility provides repeated use and repayment of credit funds within established limit.
2. Investment loan (non-revolving credit line up to 5 years) provides the issuance of loan funds, within the agreed maximum amount (loan limit). In the case of full amount of credit funds receiving, their further issuance is terminated regardless of the actual amount of the debt.

Who can get a loan facility?

Enterprises or entrepreneurs with a current account in PrivatBank.

What documents do I need to submit to review my loan application?

• Constituent and registration documents (if not previously provided).
• Information about the legal structure of the debtor/group with an indication of ownership shares (information is filled in in the menu item "Privat24 for Business" – "Documents of the Corporate Client").
• Financial statements (for a legal entity: balance sheet, Form 2 for the reporting period and the last year; for an entrepreneur: Income Declaration for the reporting period or for a shorter period if the company/Private Entrepreneurs exists for a shorter period).
• Decoding the articles of the Classifier of Economic Activities
• on financial results and their use according to the Labor Code (ed. 2000) or a report on the main performance indicators of the enterprise (Form No. 1- Entrepreneurship) for the last reporting year with a receipt for sending or a mark of the statistical management body on the acceptance of the report (information is filled in the menu item "Privat24 for Business" – "Documents for Corporate Clients").
• Application for a loan.
• Proceedings (decisions) of the general meeting of shareholders (participants, supervisory board, management board) of the enterprise (or other body authorized to make a corresponding decision), where such issues should be considered:
  1. the necessity to get a loan from PrivatBank (in a certain amount, within the agreed period, indicating the purpose of obtaining the loan);
  2. granting the right to sign the loan agreement to the manager in accordance with the Charter and a card with sample signatures;
  3. providing collateral and granting the right to sign the pledge agreement to an authorized person, and if the pledgor is another person, it is indicated who exactly is the pledgor;
  4. the name and identification data of the guarantor must be specified in the protocol.
• Legal documentation of the pledgor/guarantor (if the pledgor is a third party, similar to the borrower's documents).

Documents for the pledge. For any collateral item, the client submits to the bank a report on an independent assessment of the collateral item from an appraisal entity accredited by the bank.

Which loan facility amount can I expect for?

The limit is calculated individually after the submission of the necessary documents to the bank and the assessment of the company’s financial condition. The average is 40% of the market value of the collateral provided.

Are there additional charges in case of non-use of credit funds?

No.

How can I use the loan facility?

Go to the menu “Privat24 for business” - “Credits” - “Effective credits” and choose “Apply for a tranche on a loan facility”.

How can I repay a loan facility debt?

Go to the menu “Privat24 for business” - “Credits” - “Effective credits” and select “Repayment of debt under the Loan Agreement”.

Are there any additional sanctions in case of misuse of credit funds?

Thus, the loan agreement provides for penalties.