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Up to 5 years
Up to 3 years
Loan
Up to 50 million UAH
Loan
(Deferred payment is possible)
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.
Segment*
Per annum income (million EUR)
UIRD (3m) + 5%
UIRD (3m) + 7%
UIRD (3m) + 5%*
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
More than 12 mo.
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)
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
(total for the 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 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
Investment purposes:
Anti-crisis measures:
Refinancing:
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.
| 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:
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:
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.
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).
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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