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Affordable loans 5-7-9%

FUIB is a participant in the state program of business support "Affordable Loans 5-7-9%", which provides financial assistance through cheaper loans through government compensation of interest rates up to 0%, 3%, 5%, 7% and 9% annual loans in national currency.
The program is implemented by the Government of Ukraine on the initiative of the President of Ukraine through the Entrepreneurship Development Fund.

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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

Borrower's own fee (for investment purposes)
For an existing business
Not less than 10%
For newly established businesses
Not less than 15%
Repayment schedule
Interest
Monthly

Loan
(Deferred payment is possible)

Monthly in equal installments
Security
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)
Commission
0,5%
From the loan amount for the loan provision (paid one-time)
0,5%
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
Investment objectives related to the production of medicines and/or medical devices and/or medical equipment, as well as the refinancing of debt on a loan granted for the purposes specified in this paragraph;
refinancing of debts on loans granted for investment purposes
Replenishment of working capital

*A loan for anti-crisis measures and refinancing, you can apply no later than 90 days after the end of the quarantine.

Refinancing of debt on loans, including in PUMB

*A loan for anti-crisis measures and refinancing, you can apply no later than 90 days after the end of the quarantine.

to purchase fixed assets and cover any costs associated with the implementation of agricultural activities within the meaning of the Law of Ukraine "On State Support of Agriculture of Ukraine"
replenishment of working capital

* For a loan to support agricultural producers, it is possible to apply until 31.05.2022

investment objectives related to business activities
replenishment of working capital

* For a loan to prevent and overcome the consequences of Russian aggression, it is possible to apply during martial law

  • 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
  • Investment objectives related to the production of medicines and/or medical devices and/or medical equipment, as well as the refinancing of debt on a loan granted for the purposes specified in this paragraph;
    refinancing of debts on loans granted for investment purposes
    Replenishment of working capital

    *A loan for anti-crisis measures and refinancing, you can apply no later than 90 days after the end of the quarantine.

  • Refinancing of debt on loans, including in PUMB

    *A loan for anti-crisis measures and refinancing, you can apply no later than 90 days after the end of the quarantine.

  • to purchase fixed assets and cover any costs associated with the implementation of agricultural activities within the meaning of the Law of Ukraine "On State Support of Agriculture of Ukraine"
    replenishment of working capital

    * For a loan to support agricultural producers, it is possible to apply until 31.05.2022

  • investment objectives related to business activities
    replenishment of working capital

    * For a loan to prevent and overcome the consequences of Russian aggression, it is possible to apply during martial law

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
5%

per annum, if the revenue is up to  50 million UAH and at least 2 new jobs are created in one quarter

7%

per annum for businesses with revenue up to 50 million UAH

9%

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

0%

per annum for the period of quarantine / restrictive measures and within 90 days from the date of its (their) cancellation;

7%

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

3%

per annum - from April 1, 2021.

saving 50% of the labor fund and personnel for the period of martial law + 180 days does not apply
Support for agricultural producers

targeted for the acquisition of fixed assets and replenishment of working capital

revenue without restrictions

0%

per annum

Preventing and overcoming the consequences of Russian aggression

targeted for investment purposes and replenishment of working capital

revenue without restrictions

0%

per annum - for the period of martial law and within 1 month after its termination or abolition

5%

per annum - after the abolition of martial law and the end of 1 month from the date of his departure

*with the possibility of reducing by 0.5% for each new job (at least 5%), the rate is revised quarterly.

Base interest rate

Determined by the formula:

Base rate

Segment*
Per annum income (million EUR)

UIRD (3m) + 7%

For a micro business

UIRD (3m) + 6%

For a small business

UIRD (3m) + 5%*

For medium-sized business

UIRD (3м) + 5%*

For a large business
>50
*UIRD – Ukrainian Index of Retail Deposit Rates, calculated on the basis of nominal rates of the market for deposits of individuals, which are announced by Ukrainian banks for a period of 3 months. Approved by the Resolution of the Cabinet of Ministers of Ukraine No. 28 dated 01.24.20 (as amended and supplemented).

Is your business eligible for the program?

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Operating enterprises
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Newly established enterprises
Conducting economic activity

More than 12 mo.

Less than 12 mo.

Total state support received for any program over a three-year period

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)

Founders and ultimate beneficial owners (controllers) of the enterprise

They must be individuals – residents of Ukraine

They must be individuals – residents of Ukraine

Restrictions on the provision of state support

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"

Activity

Availability of a high-quality business plan for the implementation of an investment project

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Operating enterprises
Conducting economic activity

More than 12 mo.

Total state support received for any program over a three-year period

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)

Founders and ultimate beneficial owners (controllers) of the enterprise

They must be individuals – residents of Ukraine

Restrictions on the provision of state support

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"

Image
Newly established enterprises
Conducting economic activity

Less than 12 mo.

Total state support received for any program over a three-year period

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)

Founders and ultimate beneficial owners (controllers) of the enterprise

They must be individuals – residents of Ukraine

Restrictions on the provision of state support

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"

Activity

Availability of a high-quality business plan for the implementation of an investment project

Apply for a loan 5-7-9%

Answers to the questions you may have

  • The size of 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.   

      Learn more here .

  • 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.

  • 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.

    • Contact the bank branch
    • Submit the following list of documents
    • Pass a check for compliance with the criteria of the program and the bank

  • 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.

Files for downloading

Cooperation agreement within the framework of the "Affordable loans 5-7-9" program .pdf
Agreement on the provision of a state guarantee on a portfolio basis .pdf

Previous editions can be found at the link.

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