Affordable loans 5-7-9%

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.

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

0,75%

From the loan amount for the loan provision (paid one-time)

0,75%

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 *

check

Acquisition of new and used fixed assets, their modernization

check

Acquisition of non-residential real estate and/or land without the right to lease

check

Construction and reconstruction of premises (except the offices)

check

Acquisition of intellectual property rights (franchising)

check

Replenishment of working capital up to 25% of the cost of the investment project

check

Refinancing of investment projects

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.

01
Including to refinance debt on loans, including in FUIB
01

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*

02
Investment goals (including refinancing) and replenishment of working capital
02

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.

03
Refinancing of existing debt on loans
03

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
04
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04

Support for agricultural producers

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

revenue without restrictions

0%

per annum

05
image
05

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 micro business
≤ 2
 
 
UIRD (3m) + 6%
For small business
≤ 10
 
UIRD (3m) + 5%
For medium-sized business  ≤ 50
UIRD (3m) + 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?

Operating enterprises
Operating enterprises
Newly established enterprises
Newly established enterprises
Conducting economic activity
check

More than 12 mo.

check

Less than 12 mo.

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

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)

check

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
check

They must be individuals – residents of Ukraine

check

They must be individuals – residents of Ukraine

Restrictions on the provision of state support
check

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"

check

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
check

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

Operating enterprises
Operating enterprises
check
Conducting economic activity

More than 12 mo.

check
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)

check
Founders and ultimate beneficial owners (controllers) of the enterprise

They must be individuals – residents of Ukraine

check
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"

Newly established enterprises
Newly established enterprises
check
Conducting economic activity

Less than 12 mo.

check
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)

check
Founders and ultimate beneficial owners (controllers) of the enterprise

They must be individuals – residents of Ukraine

check
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"

check
Activity

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

Apply for a loan 5-7-9%

Full name/Company name*
USREOU/TIN*
Phone number*