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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
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.
Maximum limit | Term | Type of collateral | Down payment | Loan schedule | Interest rate under the agreement (base) |
---|---|---|---|---|---|
Up to UAH 50 million (for all loans of a group of related parties) The maximum amount of compensation paid may not exceed the equivalent of EUR 200 000 | Up to 5 years — for investment loans Up to 3 years — for working capital loans | Movable or immovable property, except for property rights under a bank deposit agreement | For an existing business — from 10% of the project amount For a newly created business — from 20% of the project amount | Monthly in equal installments It is possible to defer payment for up to twelve months, but not more than until December 31, 2021. | For existing business * micro - UIRD + 7% Small - UIRD + 6% Average - UIRD + 7% For the UIRD + 7% startup Floating rate, to be quarterly reviewed |
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;
* Valid until March 31, 2021, upon completion – the Bank's market rate.
** The anti-crisis support package introduced for the duration of quarantine or restrictive measures and within 90 days from the date of its cancellation
1 or 0.5 percentage points for each new employee for investment loans
not more than UAH 50 million, but the maximum amount of state aid may not exceed the equivalent of 200,000. 00 Euro for a three-year period.
Up to 5 years - for investment loans
Up to 3 years – for working capital replenishment loans
Maximum value — 1%
For an existing business — from 10% of the project amount
For a newly created business — from 20% of the project amount
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.
0.5% per annum of the amount owed under the MSE loan
For an existing business – 50% of the amount owed under the MSE loan
For a newly created business – 80% of the amount owed under the MSE loan
Newly created businesses | Already operating companies |
Conducting business activities for at least 6 months. | Conducting business for more than 12 months. |
Availability of a business plan for the implementation of an investment project. | Profitable business activity for the last reporting year |
The total amount of the state aid received under any Program during the three-year period may not exceed the equivalent of 200,000 Euro | The total amount of the state aid received under any Program during the three-year period may not exceed the equivalent of 200,000 Euro |
The loan is granted by Bank transfer to the account of the supplier of fixed assets, goods and stocks, services, or to the account of debt repayment that is refinanced with providing the beck-up documents by the Borrower in respect to the intended use of credit funds.
Intended use of credit funds
The rate of 5%, 7% or 9% will depend on the amount of annual income and jobs creation:
Under the terms of the Program the following persons and entities cannot participate in it:
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