
Affordable loans 5-7-9%
Terms and conditions of the program
Up to 5 years
Up to 3 years
Loan
Up to 50 million UAH
Lending details
Loan
(Deferred payment is possible)
The intended purpose of the loan
Compensation interest rate
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 20 million EUR*
for businesses with revenue from 0 uah but not more than the equivalent of 20 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.
provided that at least 50% of the salary fund and 50% of the number of staff are preserved up to the indicators as of March 1, 2020:
per annum - until March 31, 2021;
per annum - from April 1, 2021.
Base interest rate
Determined by the formula:
Segment*
Per annum income (million EUR)
UIRD (3m) + 5%
UIRD (3m) + 7%
UIRD (3m) + 5%*
Is your business eligible for the program?


More than 12 mo.
Less than 12 mo.
It cannot exceed the
equivalent of 200,000 EUR
(total for the group of related companies)
It cannot exceed the
equivalent of 200,000 EUR
(total for the group of related companies)
No more than the equivalent 20 million EUR (in total for a group of related companies)
No more than the equivalent 20 million EUR (in total for a 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

Більше 12 міс.
Прибуткова господарська діяльність мінімум за один із двох останніх звітних років
Не більше 100 млн грн або 10 млн євро при отримані кредиту на рефінансування заборгованості (сумарно по групі пов’язаних компаній)
Мають бути фізичними особами – резидентами України
Не підпадають під обмеження щодо надання державної підтримки, визначені статтею 13 Закону України «Про розвиток та державну підтримку малого і середнього підприємництва»
Не може перевищувати
еквіваленту 200 000 євро
(сумарно по групі пов'язаних компаній)

Більше 12 міс.
Не більше 100 млн грн або 10 млн євро при отримані кредиту на рефінансування заборгованості (сумарно по групі пов’язаних компаній)
Мають бути фізичними особами – резидентами України
Не підпадають під обмеження щодо надання державної підтримки, визначені статтею 13 Закону України «Про розвиток та державну підтримку малого і середнього підприємництва»
Apply for a loan 5-7-9%
Answers to the questions you may have
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Investment purposes:
- acquisition and/or modernization of fixed assets, with the exception of the acquisition of vehicles (other than those that will be used for commercial and production purposes);
- • acquisition of non-residential real estate and/or land for the purpose of carrying out economic activities, without the right to transfer such real estate for paid or free usage to third parties;
- implementation of construction, reconstruction, repair in premises in which the main economic activity is carried out (except the office premises), which, by right of ownership or use, belong to the customer;
- acquisition of objects of intellectual property rights under commercial concession (franchising) agreements related to the implementation of an investment project;
- financing of working capital, when the need for such working capital is an integral part of the costs of an investment project, with a volume of no more than 25% of a project cost financed from credit funds;
- refinancing of investment projects.
Anti-crisis measures:
- investment goals related to the implementation of activities for the production of medicines and/or medical devices and/or medical equipment, as well as to refinance debt on a loan provided for the purposes specified in this paragraph;
- financing of working capital.
Refinancing:
- loans are provided for refinancing debt on loans, including PUMB.
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The rate depends on the purpose of financing, the annual amount of income from business activities and changes in the number of jobs during the financing period.
ConditionsGroup 1Purpose of the loan (in accordance with paragraph 5 of these conditions)Anti-crisis measures:The size of the annual income from an economic activity at the date of conclusion of the loan agreement (for the whole group), million hryvniafrom 0 to 100 (inclusive)Minimum increase in jobs, workers-Compensation interest rate, per annum3%ConditionsGroup 2Purpose of the loan (in accordance with paragraph 5 of these conditions)Investment goals:The size of the annual income from an economic activity at the date of conclusion of the loan agreement (for the whole group), million hryvniafrom 0 to 50 UAH million (inclusive)Minimum increase in jobs, workers2Compensation interest rate, per annum5%***ConditionsGroup 2Purpose of the loan (in accordance with paragraph 5 of these conditions)Investment goals:The size of the annual income from an economic activity at the date of conclusion of the loan agreement (for the whole group), million hryvniafrom 0 to 50 UAH million (inclusive)Minimum increase in jobs, workers-Compensation interest rate, per annum7%**ConditionsGroup 2Purpose of the loan (in accordance with paragraph 5 of these conditions)Investment goals:The size of the annual income from an economic activity at the date of conclusion of the loan agreement (for the whole group), million hryvniafrom 50 UAH millionMinimum increase in jobs, workers-Compensation interest rate, per annum9%**ConditionsGroup 3Purpose of the loan (in accordance with paragraph 5 of these conditions)RefinancingThe size of the annual income from an economic activity at the date of conclusion of the loan agreement (for the whole group), million hryvniaup to 10 million eurosMinimum increase in jobs, workerssaving 80% of jobs and 60% of the wage billCompensation interest rate, per annum0%*Conditions Group 1 Group 2 Group 3 Purpose of the loan (in accordance with paragraph 5 of these conditions) anti-crisis measures investment goals refinancing The size of the annual income from an economic activity at the date of conclusion of the loan agreement (for the whole group), million hryvnia up to 20 million euros (including) from 0 to 50 UAH million
(inclusive)from 50 UAH million(inclusive) up to 20 million euros (including) Minimum increase in jobs, workers 2 saving 50% of jobs and 50% of the wage bill Compensation interest rate, percent per annum 3%1 5%2 7%3 9%3 0%4 1valid for the period of quarantine established by the Cabinet of Ministers in order to prevent the spread of acute respiratory disease COVID-19 or restrictive measures related to its spread, and within 90 days from the date of its (their) cancellation, and then - at 3% per annum.
2increases by 1% for each full-time employee who has been laid off, but cannot be lower than 5% and higher than 7%.
3the interest rate decreases or increases following the results of the quarterly review by the bank by 0.5% for each created/reduced SME workplace, while it cannot be lower than 5% per annum and cannot be higher than 7% or 9% per annum, respectively.
4valid until March 31, 2021, and after this date – at 3% per annum. -
PUMB provides loans under the program to legal entities – representatives of micro- and small businesses that meet the following criteria:
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Business entities that do not meet the bank's requirements and eligibility criteria that are defined by the Program can't be recipients of state support and also can't participate:
- industries defined by the current legislation on state support as prohibited;
- legal entities, whose founders and ultimate beneficiaries are individuals – non-residents of Ukraine;
- persons who have outstanding debts to the state or local budget, the Pension Fund, compulsory state social insurance funds;
- persons with a negative credit history and overdue loans;
- persons in respect of whom the bankruptcy/insolvency proceedings have been opened and/or are in a state of reorganization/liquidation;
- persons who have received government support over the past 3 years, which exceeds the amount equivalent of 200 thousand euros (in total for the group of related enterprises);
- persons whose accounts are seized or blocked, or in respect of whom there are public encumbrances in the state register of encumbrances of movable property;
- other restrictions that are directly established by the current legislation of Ukraine.
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The loan agreement specifies the Base and Compensation interest rates (0% - 3% - 5% - 7% - 9%).
A customer pays the interest accrued at the compensation rate payable subject to the conditions of the "Affordable loans 5-7-9%" program.
The difference between the amount of interest accrued at the Base Interest Rate and the Compensation Interest Rate on the loan is compensated by the Entrepreneurship Development Fund at the expense of funds provided in the state budget, subject to meeting the requirements of the "Affordable loans 5-7-9%" program.The rate is revised quarterly.
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- Contact the bank branch
- Submit the following list of documents
- Pass a check for compliance with the criteria of the program and the bank
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The property of a customer or a guarantor, equipment, vehicles, real estate, as well as fixed assets acquired using credit funds can be drawn up as security. (Except deposits).
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Yes, you need to insure the property, which you pledge.
Other types of insurance are not provided for by the terms of lending under the "Affordable loans 5-7-9%" program.
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