JSC "FUIB" is a member of the "Affordable loans 5-7-9%" state support program

As part of the program, the state compensates part of the interest rate on the loan, thus reducing the client's rate under the contract.

The program is implemented by the Government of Ukraine at the initiative of the President of Ukraine through the Entrepreneurship Development Fund.

What lending purposes does the program cover?

Purchase/modernisation of fixed assets (in particular, vehicles to be used for commercial and production purposes)

Acquisition of non-residential property/land plots for business activities

Construction, reconstruction, repair of premises for business activities

investment purpose – 5% or 7% (micro, small business), 9% (medium, large business)
working capital– 13%

up to 80%

legal entity
resident of Ukraine
registered on the territory of Ukraine (except for territories of active hostilities, territories of active hostilities in which state electronic information resources function, and temporarily occupied territories for which the date of the end of hostilities or temporary occupation has not been determined).
economic activity is carried out for more than 12 months
the ultimate beneficial owners are individuals - residents of Ukraine (does not apply to agricultural producers who have applied for financing for agricultural activities and large trading companies)
not a person whose shareholder or ultimate beneficial owner is a citizen of a state recognized as an aggressor or occupying state
has not received state aid in excess of the equivalent of EUR 200,000 / EUR 400,000 (in total with the members of the COD for the last 3 years)
not a person who belongs or has belonged to terrorist organizations
not a legal entity in which persons belonging or having belonged to terrorist organizations are participants or ultimate beneficial owners
does not fall under the restrictions of Article 13 of the Law of Ukraine "On the Development and State Support of Small and Medium Enterprises":

does not manufacture and/or sell weapons or exchange currencies;
does not produce and/or sell alcoholic drinks (except for the VTSP), tobacco products (except for MSMEs in the field of catering (temporarily);
does not lease real estate, which is one of its main activities;
not declared bankrupt or subject to bankruptcy proceedings;
is not in the process of liquidation of a legal entity or termination of business activity of an individual entrepreneur;
has not submitted deliberately false information and documents when applying for State support;
has no debts to the budget, the Pension Fund of Ukraine, or compulsory state social insurance funds;
has not received state aid in violation of the terms of its provision or the conditions for the targeted use of budgetary funds, as proved in accordance with the established procedure Funding is limited by clause 4 of Section V of the Law of Ukraine "On the Development and State Support of Small and Medium-Sized Enterprises": Temporarily, for the period of quarantine or restrictive measures related to the spread of coronavirus disease (COVID-19) established by the Cabinet of Ministers of Ukraine and within 6 months from the date of its cancellation, clause 3 of part one of Article 13 of this Law does not apply to small and medium-sized enterprises in the field of catering.