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Available loans 5-7-9%

PUMB is a member of the state program for the support of small- and medium-sized businesses "Affordable loans 5-7-9%."
The program provides financial support for small and medium-sized businesses by cheapening loans, through state compensation of interest rates up to the level of 5%, 7% and 9% per annum for loans in national currency.

5-7-9
Conditions of the program

Loan

  • from 400 thousand UAH to 1.5 million UAH
  • up to 5 years
  • loan or non-revolving loan line

The loan purpose

  • acquisition and/or modernization of fixed assets, vehicles that will be used in commercial purposes
  • implementation of construction/reconstruction/repair in premises in which the customer conducts business activity (except office premises)

Own payment of the borrower

  • for the operating business – at least 20%
  • for a newly created business – at least 30%

Repayment schedule

  • interest – monthly
  • loan – monthly in equal installments (a deferment of payments is possible – up to 6 months but no more than the term of putting the facility into operation)

Security

  • lending object, if it relates to the main types of ensuring
  • alternative/additional security – property, which relates to the core collateral
  • guarantee of the Entrepreneurship Support Fund

Fee

  • 0.5% of the loan amount for the provision of a loan (paid once)
  • 0.5% of the loan amount for service (paid once)
  • in case of attracting guarantees of the Entrepreneurship Development Fund – 0.5% of the loan amount (paid once)
Details

Compensation interest rate (rate for the customer) depends on the annual amount of income from business activities and the number of jobs created:

  • 5% per annum – if the revenue is 25 million UAH and at least 2 new jobs are created, during the first quarter from the moment of obtaining a loan (the customer pays 7% per annum until the creation). If new jobs were not created in the first quarter, then for each new job the customer receives minus 0.5% in the future. 
  • 7% per annum – for business, with revenue up to 25 million UAH;
  • 9% per annum – for business, with revenue from 25 to 50 million UAH.

-0,5% for each new workplace (at least 5%), rate review quarterly.

The basic interest rate is determined by the formula:

а) for customers belonging to the category of Operating business:

UIRD index (12 mo.) х 1,2

б) for customers belonging to the category of Newly created business:

UIRD index (12 mo.) х 1,35

where UIRD (Ukrainian Index of Retail Deposit Rates) – is calculated on the base of nominal rates of the market of deposits for individuals, which are announced by banks of Ukraine for a period of 12 months.

It is approved by the resolution of the Cabinet of Ministers of Ukraine as of January 24, 2020 No.28.

Does your company comply with the program conditions?

Operating enterprises

Newly created enterprises

  • Doing business for more than 12 mo.
  • Profitable business activity for the last reporting year
  • The average number of employees is no more than 50 people
  • Annual income from activities is no more than 50 million UAH (total for a group of related companies)
  • Participants (founders) and ultimate beneficial owners (controllers) of which are individuals – residents of Ukraine
  • ​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 Enterprises”
  • The total amount of state support received under any program, over a three-year period, cannot exceed the equivalent of 200,000 euros (total for a group of related companies)
  • Doing business for less than 12 mo.
  • Availability of a quality business plan for the implementation of the investment project
  • The average number of employees is no more than 50 people
  • Annual income from activities is no more than 50 million UAH (total for a group of related companies)
  • Participants (founders) and ultimate beneficial owners (controllers) of which are individuals – residents of Ukraine
  • 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 Enterprises”

Operating enterprises

  • Doing business for more than 12 mo.
  • Profitable business activity for the last reporting year
  • The average number of employees is no more than 50 people
  • Annual income from activities is no more than 50 million UAH (total for a group of related companies)
  • Participants (founders) and ultimate beneficial owners (controllers) of which are individuals – residents of Ukraine
  • ​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 Enterprises”
  • The total amount of state support received under any program, over a three-year period, cannot exceed the equivalent of 200,000 euros (total for a group of related companies)

Newly created enterprises

  • Doing business for less than 12 mo.
  • Availability of a quality business plan for the implementation of the investment project
  • The average number of employees is no more than 50 people
  • Annual income from activities is no more than 50 million UAH (total for a group of related companies)
  • Participants (founders) and ultimate beneficial owners (controllers) of which are individuals – residents of Ukraine
  • 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 Enterprises”
Questions and answers
Who can’t be a participant?

  • industries that are defined by the current legislation on state support as prohibited;
  • legal entities, founders and ultimate beneficiaries who are individuals – non-residents of Ukraine;
  • persons who have outstanding debts to the State or local budget, the Pension Fund, funds of compulsory state social insurance;
  • persons with a negative credit history and overdue loans;
  • persons with respect to whom bankruptcy/insolvency proceedings are opened and/or are in a state of reorganization/liquidation;
  • persons who have received state support over the past 3 years, which exceeds the amount equivalent to 200 thousand euros (total for the group of related companies);
  • persons whose accounts are arrested or blocked, or regarding whom there are encumbrances in the state register of encumbrances of movable property
  • persons who are not subject to restrictions on the provision of state support, as defined by Article 13 of the Law of Ukraine “On the Development and State Support of Small and Medium Enterprises”;
  • other restrictions that are directly established by the current legislation of Ukraine.

How is the loan interest credited, and how is compensation paid in the program?

Interest on the loan is credited at the base interest rate. Interest is credited to the customer at a compensation rate of 5-7-9%. If the customer complies with all the conditions of the program, including repaying the loan and interest in a timely manner at a rate of 5-7-9%, then the remaining interest is compensated by budgetary funds. Якщо клієнт дотримується всіх умов програми, в тому числі своєчасно погашає кредит та проценти за ставкою 5-7-9%, то решта відсотків компенсується за рахунок бюджетних коштів.

In case of violation of the program conditions and loan repayment schedule, the customer pays interest at the base rate, compensation is not paid.

How can I apply for a loan?

Easy, in any convenient way:

  • fill out an online application on the website;
  • contact a PUMB department;
  • apply to the contact center by phone 0 800 501 278 – the information will be sent to the responsible employee.

What can be drawn up as collateral for the loan?

As collateral, you can arrange the property of the customer or guarantor, equipment, vehicles, real estate, as well as fixed assets purchased at the expense of credit funds.

How can you prepare a quality business plan?

The newly established business (start-up) should prepare a reasonable business plan.

Requirements for information that should be reflected in the business plan are listed here.

The business plan should take into account the individual characteristics of the planned business, the plan for marketing promotion of products (services) and other conditions that will allow the bank to assess the potential success of the implementation of the business idea. The reality of the business plan and its validity should show the entrepreneur's understanding of the basic conditions under which his business will become profitable. 

The state provides information and educational support to participants. Detailed information can be found here

What documents does the customer submit to the bank?

In order to participate in the Program and receive state support, the customer submits to the bank:

1. An application for participation in the Program (in accordance with the form)

2. Consent to the transfer of information on the amount of state support received (in accordance with the form)

3. Certificate of the amount of state support received by the customer (group of related contractors) (in accordance with the form)

The certificate shall include information on state compensations that have been received over the past 3 years (from 02.08.2017) for all members of the group of related counterparties and information on applications for the receipt that are approved, but funds for which have not been received yet

4. Application form for a loan under the Program (in accordance with the form)

5. The official financial statements of the enterprise (group) for the last 4 quarters (or the last reporting year) – forms No. 1 and No. 2.

6. Form No. D4 of the enterprise (group) (Report on the amount of accrued wages (income, cash security, assistance, allowances, compensation) of the insured persons and the amounts of the accrued single contribution to compulsory state social insurance) for the last reporting period

Example of form No. D4

7. For the newly established enterprises (startups) – a business plan for the implementation of an investment project, for the introduction of which the customer attracts loan funds, that meets the requirements of the bank

Business Plan Requirements

In the case of successful verification of compliance with the requirements of the Program, the customer submits to the bank a package of financial and legal documents to conduct financial and economic analysis in accordance with the requirements of the bank. 

Do I need insurance for a loan?

Yes. Property insurance is required at an accredited bank insurance company.

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