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. There are no restrictions in terms of the residency of participants (founders) and/or ultimate beneficial owners.
• "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 «Rebuilding of fixed assets destroyed due to the military aggression»: reconstruction of fixed assets of the Borrower destroyed as a result of military aggression, which is supported by the relevant documents
• "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, operation of generating plants that produce electricity from renewable energy sources without applying the "green" tariff and market premium mechanism, energy storage plants, electric charging infrastructure and small distribution systems of industrial parks, as well as construction and installation of gas turbine, gas piston and biogas generation and cogeneration plants.
• "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.

Loan terms for replenishment of working capital

Loan terms for investment purposes

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. Under the priority area, both residents and non-residents can be participants (founders) and/or ultimate beneficial owners. Without the application of the priority area, 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. There are no restrictions in terms of the residency of participants (founders) and/or ultimate beneficial owners.

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 of the reconstruction of fixed assets of the Borrower destroyed as a result of military aggression, which is confirmed by relevant documents.

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 service" - financing of business entities that provide energy services to improve the energy efficiency of state and municipally owned facilities, operation of generating plants that produce electricity from renewable energy sources without applying the "green" tariff and market premium mechanism, energy storage plants, electric charging infrastructure and small distribution systems of industrial parks, as well as construction and installation of gas turbine, gas piston and biogas generation and cogeneration plants.

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.

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 Entrepreneurship Development Fund 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 Fund for the Borrower, inadmissible for competition.