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Available loans 5-7-9%

Procedure of execution

Execute an application

Fill out an application

Arrange a convenient meeting place and time with a manager

Discuss terms and conditions at the meeting and draw up documents

DEVELOP
CREATE
GET COMPENSATION FROM THE STATE
The Program has been developed

comply with the procedure for providing financial state aid to microenterprises and small businesses. It is implemented by the Government of Ukraine at the initiative of the President of Ukraine 5-7-9.gov.ua

The purpose of the Program is

to support investment projects of micro - and small Ukrainian entrepreneurs, which will contribute to creating new jobs, legalize and expand the activities of small businesses increasing their competitiveness and will strengthen the economy.

Loans under the Program are provided for:
  • development of investment projects, which will contribute to the creation of new working cities;
  • financing of the working capital of the business entity;
  • reconstruction of the main assets of business entities destroyed as a result of military aggression;
  • financing of business entities — agricultural commodity producers for carrying out agricultural activities;
  • support of business entities engaged in the production, processing of agricultural products and their sale by types of economic activity 10.51 (Milk processing, butter and cheese production), 10.61 (Production of products of the flour-milling and grain industry), 10.71 (Production of bread and bakery products; production of flour confectionery products, short-term storage cakes and pastries);
  • support of trading companies;
  • restoration, repair or replacement of energy infrastructure of thermal power plants and thermal power plants damaged as a result of hostilities.
Maximum limit Term Type of collateral Down payment Loan schedule Interest rate under the agreement (base)

From UAH 100,000 to UAH 1 billion. (for all related party loans)

The maximum amount of compensation paid cannot exceed the equivalent of EUR 200,000.00

Up to 5 years - for investment loans;


Up to 3 years – for loans to replenish working capital;


Up to 12 months - for trading companies;


Until March 31, 2024 - for agricultural producers;


Up to 10 years for energy workers

Movable or immovable property, except property rights under the bank deposit agreement and/or bonds of the domestic state loan of Ukraine.

For an existing business - from 20% of the project amount;


For a newly created business - from 30% of the project amount.

Monthly in equal parts.
Deferral of repayment of principal debt for no more than 12 months.

Current business:

investment goals

Micro - UIRD 3 + 11%
Male - UIRD 3 + 9%
Average - UIRD 3 + 7%
Large - UIRD 3 + 7%


replenishment of working capital
Any segment - UIRD 3 + 9%
for FOP for loans under guarantee of up to 3 million hryvnias. – UIRD 12 + 18%


Newly established business – UIRD 3 + 11%

The compensation interest rate is the rate paid by the client, which makes 5-7-9%. The difference between the Compensation and Basic interest rates is made up by the state.

UIRD (Ukrainian Index of Retail Deposit Rates) - Ukrainian index of rates on deposits of individuals, calculated on the basis of nominal rates of the market of deposits of individuals, announced by banks of Ukraine for a period of 3 months, and published daily on the website of the Ministry of Finance. signing the contract base minfin.com.ua)

* total annual income by group of related parties (at the official exchange rate of the NBU, effective on the last day of the reporting period for which the client's reports are submitted;

Available loans 5-7-9% - photo - mtb.ua
Loan profile
For businesses with an annual income of up to 10 million euros for investment purposes

  • provided that 2 new employees are hired during the first quarter:
  • for priority areas*
Available loans 5-7-9% - photo 2 - mtb.ua
Loan profile
For businesses with annual revenue up to the equivalent of 10 million euros and priority areas.

  • for each workplace, the compensation rate is reduced by 0.5% per annum, but not below 5% per annum (applies to micro and small enterprises for investment purposes)
  • is used for investment lending to medium and large enterprises, whose activities are a priority area
  • is used to finance the working capital of any segment of enterprises whose activities are a priority area.
Available loans 5-7-9% - photo 3 - mtb.ua
Loan profile
For businesses with an annual income of no more than the equivalent of EUR 40 million for investment purposes.
For businesses with any income to replenish working capital.

  • medium and large enterprises for investment purposes
  • all segments for the purpose of replenishment of working capital

* Valid until March 31, 2021, upon completion – the Bank's market rate.

Basic Program parameters
Available loans 5-7-9% - photo 4 - mtb.ua
Additional interest rate compensation

1 or 0.5 percentage points for each new employee for investment loans

Available loans 5-7-9% - photo 5 - mtb.ua
Maximum loan amount

not more than UAH 1 billion, but the maximum amount of state aid may not exceed the equivalent of 200,000. 00 Euro for a three-year period.

Available loans 5-7-9% - photo 6 - mtb.ua
Maximum loan term

Up to 5 years - for investment loans

Up to 3 years – for working capital replenishment loans

Available loans 5-7-9% - photo 7 - mtb.ua
Bank Commission

Maximum value — 1%

Available loans 5-7-9% - photo 8 - mtb.ua
Participant's own contribution

For an existing business — from 20% of the project amount
For a newly created business — from 30% of the project amount

Available loans 5-7-9% - photo 9 - mtb.ua
Purpose of the loan

Purchase of new and used fixed assets, their modernization

Purchase of non-residential real estate without the right to lease it

Construction and reconstruction of premises (except office premises)

Acquisition of intellectual property rights (franchising)

Working capital replenishment of up to 25% of the investment project cost.

restoration, repair or replacement of the energy infrastructure of thermal power plants and thermal power plants damaged as a result of hostilities, necessary for the sustainable passage of the autumn-winter period of 2023/24;

Available loans 5-7-9% - photo 10 - mtb.ua
Warranty fee

0.5% per annum of the amount owed under the MSE loan

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Warranty coverage level

50% of the amount owed under the MSE loan

Profile of the participant
Available loans 5-7-9% - photo 12 - mtb.ua
Newly created businesses.
  • Conducting business for less than 12 months.
  • Availability of experience and business plan for implementing an investment project
  • The total amount of state aid received by small businesses during any three-year period of the Program implementation may not exceed the equivalent of 200 thousand Euro
Available loans 5-7-9% - photo 13 - mtb.ua
Already operating companies
  • Conducting business for more than 12 months.
  • Profitable activity for at least one of the last two reporting years
  • The total amount of state aid received by small businesses during any three-year period of the Program implementation may not exceed the equivalent of 200 thousand Euro
Questions and answers
Who can take advantage of the "Affordable loans 5-7-9%” Program?
How the loan is granted?
What needs does the loan cover?
What does the rate depend on?
Violation of terms of the loan agreement and suspension/ termination of compensation
Who cannot participate in the Program?
For what needs the credit is provided
What does the bet depend on?

Loan application

Personal data

Your name is Cyrillic, as in the passport
Your name is Cyrillic, as in the passport
Your middle name is Cyrillic, as in the passport
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