Available loans 5-7-9%

Get the loan for your business under the government program «Affordable Loans 5–7–9%» at Credit Agricole!

«Affordable loans 5–7–9%» is a program facilitating access to the bank lending, namely loans at a lower interest rate for small, medium and large enterprises.

AREAS OF THE PROGRAM

• Non-priority lending areas of the Program (on general terms of the Program)

• Priority lending areas of the Program destined to support the key businesses for the economy of Ukraine, namely:

Priority area «Financing of agricultural producers»: financing of agriproducers for agricultural activities.
"Processing industry" - financing of business entities operating in the processing industry - that is, having a KVED of the main activity provided for in section C of the National Classifier of Ukraine, and in the livestock sector - that is, having a KVED of the main activity in all classes of group 01.4 of KVED of section A of the National Classifier of Ukraine. As well as financing of the construction of vegetable and potato storage facilities - financing for business entities that are producers of agricultural products to cover costs directly related to the construction of potato/vegetable storage facilities, in particular: rental of construction equipment, payment for contractors' services, payment for design and estimate documentation, costs of connection to networks (under contracts with energy companies, water utilities, etc.), other related costs within the framework of the construction of the storage facility.
Priority area "Reconstruction of destroyed fixed assets as a result of military aggression": reconstruction and/or restoration of property destroyed and/or damaged as a result of military aggression, confirmed by relevant documents (acts of destruction and damage indicating their causes, acts of damage (destruction) of movable property, extract from the Unified Register of Pre-trial Investigations on the initiation of criminal proceedings, registration data of the State Register of Property Damaged and Destroyed as a Result of Hostilities, Terrorist Acts, Sabotage Caused by Military Aggression of the Russian Federation, property valuation report (property valuation act). The amount of the loan(s) provided to the business entity cannot exceed the amount of losses specified in the relevant act of destruction and damage and/or acts of damage (destruction) of movable property.
"Prolongation of loans for clients from territories where hostilities were ongoing" support for Borrowers whose production facilities as of February 24, 2022 were located in territories of active hostilities (for which the date of completion of hostilities has not been determined), territories of active hostilities where state electronic information resources operate (for which the date of completion of hostilities has not been determined), and territories of Ukraine temporarily occupied by the Russian Federation (for which the date of completion of temporary occupation has not been determined), which are included in the list of territories where hostilities are (were) ongoing or temporarily occupied by the Russian Federation as of the date of conclusion or prolongation of the loan agreement, by prolonging existing loans provided to finance working capital in accordance with the Program.
“Energy Service” – financing of business entities that provide energy services to improve the energy efficiency of state- and municipally-owned facilities, the operation of power generation facilities that produce electricity from renewable energy sources, including solar photovoltaic installations (solar panels), without the application of the “green” tariff or the market premium mechanism; energy storage facilities; electric vehicle charging infrastructure; and small-scale distribution systems for industrial parks; as well as the construction and installation of gas turbine, gas piston, and biogas cogeneration plants and heat pumps.
"Alternative generation" - financing of business entities for the purchase, construction and/or installation of gas turbine, gas piston and biogas generation plants, diesel, gasoline and gas generators.
Priority area “Financing of business entities conducting economic activities in a zone of high military risk.”
“Refinancing” – the provision of a loan to repay a business entity’s outstanding debt under an existing loan, for which the National Development Institution provides partial compensation for interest rates on the loans, and/or a modification of the terms of an existing loan agreement under which such interest rate compensation is provided (in particular, extending the term of the loan agreement, changing the repayment schedule, or changing the interest rate on the loan payable by the business entity) for the purpose of providing state support to the business entity.

Loan terms for replenishment of working capital

Loan terms for investment purposes

¹The maximum amount of the loan(s) provided under the Program to the Borrower and all participants in its GCC (including financial leasing and factoring transactions).

²During the period of martial law and for 90 days after its lifting, if the Base Interest Rate, calculated using the formula UIRD3m + margin, is lower than the Min % rate, the Borrower shall pay, in addition to the Compensation Rate, the difference between the Min % rate and UIRD3m + margin.

³“Processing Industry” (all KVED codes in Section C), the “Livestock Farming” sector (all classes of KVED Group 01.4 in Section A), and “Financing the Construction of Vegetable and Potato Storage Facilities”.

⁴ Option to extend the loan received in 2022–2024 until 31.12.2027.

⁵ The segment is determined based on revenue across the entire GCC.

⁶Additionally, the possibility of obtaining a loan to finance working capital related to the implementation of the relevant investment project, provided that the loan amount does not exceed 20% of the total cost of such investment project.

WHO CAN GET THE LOAN?

GENERAL REQUIREMENTS

The borrower can be a business entity - a resident of Ukraine, who is:
- a private entrepreneur, registered in accordance with the procedure established by law, or
- a legal entity whose ultimate beneficial owners (controllers) are individuals - residents of Ukraine, or
- an agriproducer (according to the meaning set forth in the Law of Ukraine "On State Support of Agriculture of Ukraine"), who must be registered in the State Agrarian Register. ONLY a resident can be a participant (founder) and/or ultimate beneficial owner, or
- a business entity of the state or communal sectors of the economy.
The borrower cannot be an entity whose participant (shareholder, member) or ultimate beneficiary are citizens of a state recognized by Ukraine as an aggressor state or an occupying state, except for those who reside in the territory of Ukraine on legal grounds, and/or a person who belongs or belonged to terrorist organizations, a legal entity in which a person who belongs or belonged to a terrorist organization is a participant (shareholder, member) or ultimate beneficial owner, a business entity or related persons of a business entity have not been subject to personal sanctions by Ukraine, foreign states - members of the Organization for Economic Cooperation and Development or the EU.
The borrower is registered on the territory of Ukraine (except for the territories temporarily occupied by the russian federation, included in the list of territories with (ongoing) hostilities or temporarily occupied by the russian federation, approved by the Ministry for Communities and Territories Development of Ukraine (dated 28.02.2025 No. 376), for which the date of the end of the temporary occupation has not been determined).
The borrower must not belong to business entities defined in Art. 13 of the Law of Ukraine "On Development and State Support of Small and Medium Enterprises in Ukraine".
The term of conducting economic activity is at least 12 months.
Borrower from a High Military Risk Zone: A Borrower who conducts business activities (except for the provision of services remotely) in a territory included in the list of territories where hostilities are (were) ongoing or temporarily occupied by the Russian Federation, approved by the Ministry for Development of Communities and Territories of Ukraine, except for the city of Kyiv and Kyiv region, for which the date of cessation of hostilities has not been determined, or territories for which less than five calendar years have passed since the date of cessation of hostilities (cessation of hostilities) or temporary occupation as of the date of conclusion of the loan agreement, or territories included in the list of territories of active hostilities, where state electronic information resources operate, for which the date of cessation of hostilities has not been determined.

REQUIREMENTS FOR CERTAIN PRIORITY INDUSTRIES

Priority area «Financing of agricultural producers»:

financing of agriproducers for agricultural activities. An agriproducer (according to the meaning set forth in the Law of Ukraine "On State Support of Agriculture of Ukraine"), must be registered in the State Agrarian Register. ONLY a resident can be a participant (founder) and/or ultimate beneficial owner, or a business entity of the state or communal sectors of the economy.

Priority area «Processing industry»:

financing of business entities operating in the processing industry - i.e. having a KVED (Classification of Types of Economic Activities) of the core activity provided for in section S of the National Classifier of Ukraine, and in the field of animal husbandry - i.e. having a KVED of the core activity according to all classes of group 01.4 of the KVED of section A of the National Classifier of Ukraine.

Priority area “Reconstruction of fixed assets destroyed as a result of military aggression”:

Financing the reconstruction and/or restoration of property destroyed and/or damaged as a result of military aggression, as confirmed by relevant documents (reports of destruction and damage indicating their cause, reports of damage (destruction) to movable property, an extract from the Unified Register of Pre-trial Investigations regarding the initiation of criminal proceedings, registration data from the State Register of Property Damaged and Destroyed as a Result of Hostilities, Terrorist Acts, and Sabotage Caused by the Military Aggression of the Russian Federation, and a property appraisal report (property appraisal certificate). The amount of the loan(s) provided to the business entity cannot exceed the amount of losses specified in the relevant act of destruction and damage and/or acts of damage (destruction) of movable property.

Priority area «Loan extension for customers from the territories where hostilities took place»:

support for Borrowers whose production facilities as of February 24, 2022 was located in the territories of ongoing hostilities (for which the date of the end of hostilities has not been determined), the territories of ongoing hostilities in which state electronic information resources function (for whom the date of the end of hostilities has not been determined), and the territories of Ukraine temporarily occupied by the russian federation (for which the date of the end of the temporary occupation has not been determined), included in the list of territories in which hostilities are (were) ongoing or temporarily occupied by the russian federation, approved by the Ministry for Reintegration on the date of conclusion or extension of the loan agreement, by extension of existing loans provided for working capital financing under the Program.
“Energy Services” – financing of business entities that provide energy services to improve the energy efficiency of state- and municipally-owned facilities, the operation of power generation facilities that produce electricity from renewable energy sources, including solar photovoltaic installations (solar panels), without the application of the “green” tariff or the market premium mechanism; energy storage facilities; electric vehicle charging infrastructure; and small-scale distribution systems for industrial parks; as well as the construction and installation of gas turbine, gas piston, and biogas cogeneration plants and heat pumps.Funding for the purchase and installation of solar power generation facilities for business entities is provided on the condition that a comprehensive project is implemented, which provides for the simultaneous purchase and installation of solar power generation facilities and electrical energy storage systems, the capacity of which must be at least 2.5 kW‧ year for every 1 kW of installed capacity of the power generation system. The requirement in this paragraph does not apply to business entities that install solar power generation systems in the territories of the Sumy, Kharkiv, Dnipropetrovsk, Donetsk, Mykolaiv, Kherson, Odesa, Chernihiv, Poltava, and Zaporizhzhia regions.

Priority area "Construction of Vegetable and Potato Storage Facilities":

Financing for business that are agricultural producers for the purpose of covering costs directly related to the construction of potato/vegetable storage facilities, in particular: rental of construction equipment, payment for contractors’ services, payment for design and estimate documentation, costs of connection to networks (under contracts with energy suppliers, water utilities, etc.), and other related expenses within the scope of storage facility construction.
“Refinancing” – the provision of a loan to repay a business entity’s outstanding debt under an existing loan, for which the National Development Institution provides partial compensation for interest rates on the loans, and/or a modification of the terms of an existing loan agreement under which such interest rate compensation is provided (including, in particular, extending the term of the loan agreement, changing the repayment schedule, or changing the interest rate on the loan payable by the business entity) for the purpose of providing state support to the business entity
“Alternative Power Generation” – financing for Borrowers to purchase, construct, and/or install gas turbine, gas piston, and biogas power generation units, as well as diesel, gasoline, and gas generators.
Priority area “Financing of business entities conducting economic activities in a zone of high military risk.”

INTEREST COMPENSATION IS SUSPENDED IN THE EVENT OF

Occurrence of overdue loan debt (on the principal of the loan and/or interest payable by the Borrower) for a period of more than 15 days (compensation is resumed from the next calendar month after the month in which the specified violation was eliminated).
Note! During martial law, in the event of an overdue debt for a loan of more than 15 days, compensation is suspended, but the Borrower does not lose the right to receive it after repayment of the overdue debt.
Detection of the fact that the Borrower belongs to the entities defined in sub-clause 8) Art. 13 of the Law of Ukraine "On Development and State Support of Small and Medium Enterprises in Ukraine", i.e. is in debt to the budget, the Pension Fund of Ukraine, mandatory state social insurance funds.
In case of lack of funds from the National Development Institution for interest compensation, the Borrower must independently repay all accrued interest at the Base Interest Rate (including during the period of lack of funds).
The business entity is registered in the territories temporarily occupied by the Russian Federation, included in the list of territories where hostilities are (were) ongoing or temporarily occupied by the Russian Federation, approved by the Ministry for Development of Communities and Territories of Ukraine (No. 376 dated 28.02.2025), for which the date of completion of the temporary occupation has not been determined.
ATTENTION! The requirement ceases immediately after the violation is eliminated

PARTICIPATION IN THE PROGRAM IS CANCELLED IN CASE IF

The Borrower uses the loan funds not for the purpose of the loan.
The Borrower belongs to the entities defined in Art. 13 of the Law of Ukraine "On the Development and State Support for Small and Medium-Sized Businesses in Ukraine" (except in the case of detection of the fact of non-compliance, clause 8) of Art. 13 of the specified Law of Ukraine regarding the existence of debts to the budget, the Pension Fund of Ukraine, the mandatory state social insurance funds, the violation of which is the only reason for the suspension of compensation).
The Borrower provided unreliable / invalid information, which led to the payment of state support funds in favour of the Borrower.
The state authority on government support recognized the state aid, provided by the National Development Institution for the Borrower, inadmissible for competition.