Affordable loans
5-7-9%
The program is implemented by the Government of Ukraine on the initiative of the President of Ukraine through the Entrepreneurship Development Fund.
Terms and conditions of the program
Up to 5 years
for investment loans and refinancing
Up to 3 years
for loans to replenish working capital and refinancing loans to replenish working capital
Loan
provided in the form of a non-revolving line (credit) or credit line
Up to 60 million UAH
the maximum loan amount for the whole group in all banks
Up to 6 months
to purchase fixed assets and replenish working capital of agricultural enterprises
Lending details
For an existing business
Not less than 10%
For newly established businesses
Not less than 15%
Interest
Monthly
Loan (Deferred payment is possible)
Monthly in equal installments
The object of financing
If it belongs to the main types of security
Alternative /additional loan security
Property related to the main types of security (except deposits)
0,75%
From the loan amount for the loan provision (paid one-time)
0,75%
From the loan amount for service (paid one-time)
The intended purpose of the loan
Investment purpose
Anti-crisis measures*
Refinancing*
Support for agricultural producers*
Preventing and overcoming the
consequences of Russian aggression *
Acquisition of new and used fixed assets, their modernization
Acquisition of non-residential real estate and/or land without the right to lease
Construction and reconstruction of premises (except the offices)
Acquisition of intellectual property rights (franchising)
Replenishment of working capital up to 25% of the cost of the investment project
Refinancing of investment projects
Compensation interest rate
Compensation interest rate (rate for the customer) depends on the purpose of financing, the annual volume of income from business activities, and the number of jobs created.
Investment purposes
Including to refinance debt on loans, including in FUIB
per annum, if the revenue is up to 50 million UAH and at least 2 new jobs are created in one quarter
per annum for businesses with revenue up to 50 million UAH
per annum for businesses with revenue of 50 million UAH, but not more than the equivalent of 50 million EUR*
Anti-crisis measures
Investment goals (including refinancing) and replenishment of working capital
for businesses with revenue from 0 uah but not more than the equivalent of 50 million EUR
per annum for the period of quarantine / restrictive measures and within 90 days from the date of its (their) cancellation;
per annum after the lifting of quarantine / restrictive measures and the expiration of 90 days from the date of its (their) cancellation.
Refinancing
Refinancing of existing debt on loans
for businesses with revenue of UAH 0, but not more than the equivalent of EUR 50 million
per annum -from April 1, 2021.
Support for agricultural producers
targeted for the acquisition of fixed assets and replenishment of working capital
revenue without restrictions
per annum
Preventing and overcoming the consequences of Russian aggression
targeted for investment purposes and replenishment of working capital
revenue without restrictions
per annum - for the period of martial law and within 1 month after its termination or abolition
per annum - after the abolition of martial law and the end of 1 month from the date of his departure
Base interest rate
Determined by the formula:
Base rateSegment* |
UIRD (3m) + 7%For micro business≤ 2
|
UIRD (3m) + 6%For small business
≤ 10
|
UIRD (3m) + 5%For medium-sized business ≤ 50
|
UIRD (3m) + 5%*For a large business
>50
|
Is your business eligible for the program?
More than 12 mo.
Less than 12 mo.
It cannot exceed the
equivalent of
200 000 EUR or 400,000 EUR
(in accordance with the requirements of the Resolution of the Cabinet of Ministers № 200 of 03.03.2021")
(total for the group of related companies)
It cannot exceed the
equivalent of
200 000 EUR or 400,000 EUR
(in accordance with the requirements of the Resolution of the Cabinet of Ministers № 200 of 03.03.2021")
(total for the group of related companies)
They must be individuals – residents of Ukraine
They must be individuals – residents of Ukraine
They do not fall under the restrictions on the provision of state support, defined by article 13 of the Law of Ukraine "On the development and state support of small and medium-sized businesses"
They do not fall under the restrictions on the provision of state support, defined by article 13 of the Law of Ukraine "On the development and state support of small and medium-sized businesses"
Availability of a high-quality business plan for the implementation of an investment project
More than 12 mo.
It cannot exceed the
equivalent of
200 000 EUR or 400,000 EUR
(in accordance with the requirements of the Resolution of the Cabinet of Ministers № 200 of 03.03.2021")
(total for the group of related companies)
They must be individuals – residents of Ukraine
They do not fall under the restrictions on the provision of state support, defined by article 13 of the Law of Ukraine "On the development and state support of small and medium-sized businesses"
Less than 12 mo.
It cannot exceed the
equivalent of
200 000 EUR or 400,000 EUR
(in accordance with the requirements of the Resolution of the Cabinet of Ministers № 200 of 03.03.2021")
(total for the group of related companies)
They must be individuals – residents of Ukraine
They do not fall under the restrictions on the provision of state support, defined by article 13 of the Law of Ukraine "On the development and state support of small and medium-sized businesses"
Availability of a high-quality business plan for the implementation of an investment project
Apply for a loan 5-7-9%
