• Private Banking
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The Affordable Loans 5-7-9% program is for you if

  • you are a legal entity or an individual entrepreneur, which is a resident of Ukraine;
  • the ultimate beneficial owner (controller) is a resident of Ukraine;
  • conducting business for more than 12 months.;
  • you are not a person, the participant (shareholder, member) or ultimate beneficiary of which is a citizen of the state recognized by Ukraine as the aggressor state or the occupying state, and / or a person who belongs or belonged to terrorist organizations, the legal entity which participants (shareholders, members) or ultimate beneficiaries are persons who belong or belonged to terrorist organizations  
  • annual operating income does not exceed EUR 50 million (on a consolidated basis in case of group of related companies, if any). For customers who apply for a loan for agricultural producers and in order to prevent Russian aggression and overcome its consequences, the income limit does not apply;
  • the total amount of state support received by the borrower and / or members of the group during any three-year period of the program may not exceed the equivalent of 200 thousand euros taking into account the requirements and criteria in terms of assistance in overcoming the consequences caused by coronavirus disease COVID-19, established by the Cabinet of Ministers of Ukraine No. 200 dated 03.03.2021.


Benefits of the "Affordable loans 5-7-9%" program


For what purposes the loan is provided?

  • For the development of entrepreneurship, individual entrepreneurs.
  • Replenishment of working capital.
  • To prevent the occurrence and spread, localization and elimination of outbreaks of epidemics and pandemics of acute respiratory disease COVID-19.
  • Refinancing of existing debt on loans in banks.
  • Lending to agricultural producers.
  • Lending to prevent Russian aggression and overcome its consequences.


Process of granting loan



  • Request. Minimum package of documents.
  • Business reputation check. Short analysis. Offer or Refusal.
  • Collection of necessary documents.
  • Financial and economic analysis. Legal analysis. Valuation of collateral.
  • Loan decision.
  • Loan granting.


Basic lending conditions

  • Amount - up to UAH 90 million for all loans within the Program for a group of related parties.
  • Currency — UAH.
  • Loan period - up to 5 years for investment loans; up to 3 years - for loans to replenish working capital; up to 12 months - for loans to agricultural producers.
  • Own contribution - from 10%.
  • Collateral - the lending object, if it belongs to the main types of collateral; other liquid movable and immovable property; financial guarantee.
  • Loan fee - up to 0.75% of the loan limit. 
  • Loan service fee (operating expenses) - up to 0.75% of the loan limit. 



Classic investment loans


• for clients with an annual income of up to UAH 50 million per group of related parties


• for clients with an annual income of more than UAH 50 million per group of related parties

Anti-crisis measures

are valid only for loans during the quarantine established by the Cabinet of Ministers in order to prevent the spread of COVID-19, or restrictive measures, associated with its spread, and within 90 days from the date of their cancellation


• for new working capital loans;

• for new investment loans, as well as for debt refinancing (changes in contractual terms) on loans granted for these purposes


• after 90 days from the date of cancellation of quarantine and until the end of the loan period

Refinancing of previously issued loans (excluding loans issued within the program "Affordable loans 5-7-9%")


• to refinance existing debt and / or change the terms of the loan agreement with banks;

• it is possible to refinance:

- credit for the amount of the balance (classical scheme);

- RLC – for the amount of debt;

- NLC – for the amount of the limit.

Development and support of individual entrepreneurs


•  Individual entrepreneurs receive a loan (s) in the amount of up to UAH 1 million to finance their business activities, the loan can be secured by a guarantee;

•  An individual entrepreneur belongs to the category of operating business and is not a participant in the GRC, except for business entities registered in the form of individual entrepreneurs, the number of which may not exceed 5 people during the entire period of state support

Lending to agricultural producers

Date of receiving a loan is not later October 31, 2022

0% within 6 months

and 5% by the loan maturity date

• granting a loan for the purchase of fixed assets and / or covering any costs associated with the implementation of agricultural activities within the meaning of the Law of Ukraine "On State Support of Agriculture of Ukraine"

Lending to prevent Russian aggression and overcome its consequences


• granting a loan for investment purposes related to the business entity's business activities;

• working capital financing;

• refinancing of existing debt and / or changing the terms of the loan agreement with banks


• after the end of 1 (one) month from the moment of termination or cancellation of martial law and until the expiration of the loan

* The interest rate can be reduced to 5% if new jobs are created.



What factors does the bank take into account when making decisions?

  • The financial condition of the borrower and the actual turnover of the business.
  • The quality of the project, which is the lending object, and the prospects for business development.
  • The role of the borrower in the market and the state of the industry.
  • Credit history of the borrower and their business reputation.
  • Willingness of company owners to provide a guarantee.

 Is it possible to repay the loan early?

 Yes, without penalties.

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