Available loans 5-7-9%

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

Regulation procedure

Develop

Create

Receive compensation from the state

The program was developed

in accordance with the Procedure for providing financial state support to micro and small business entities, 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 the creation of new jobs, legalization and expansion of small business activities, increasing its competitiveness and strengthening the economy.

Loans under the Program are provided for:

financing of working capital;
acquisition of non-residential real estate and/or land plots for the purpose of conducting economic activities;
construction, reconstruction, repair in non-residential premises;
reconstruction of fixed assets of MSMEs destroyed as a result of military aggression;
financing agricultural producers for agricultural activities;
acquisition of intellectual property rights;

Compensatory interest rate - this is the rate paid by the client, it is 5-7-9%. The difference between the Compensation and Base interest rates is compensated by the state.

UIRD (Ukrainian Index of Retail Deposit Rates) – Ukrainian index of rates on deposits of individuals, calculated on the basis of nominal market rates of deposits of individuals, announced by banks of Ukraine for a period of 3|12 months, and published daily on the website of the Ministry of Finance (the index value is taken as of the date of signing the contractual base minfin.com.ua)

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For businesses with annual income up to 10 million euros for investment purposes

subject to hiring 2 new employees during the first quarter

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For businesses with annual income up to 10 million equiv. euros and priority areas.

for each workplace, the compensation rate is reduced by 0.5% per annum, but not lower than 5% per annum (applies to micro and small enterprises for investment purposes)
applies to investment lending to micro and small enterprises
applies to financing the working capital of the micro and small segment of enterprises whose activities are a priority area

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For businesses with annual income from 10 to 50 million euros for investment purposes and replenishment of working capital for priority areas.

medium-sized enterprises for investment purposes
medium-sized enterprises for replenishment of working capital for priority areas

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For loans granted to finance working capital, except for priority areas.

all segments (except entities with annual income exceeding the equivalent of 20 million euro)

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For individual entrepreneurs' loans to replenish working capital or for investment projects in the amount of 3 million UAH underoruku.

This rate applies to the following areas: for loans granted to finance working capital to medium-sized businesses, in which the annual income exceeds the equivalent of 20 million. euros, as well as loans granted to business entities, agricultural producers, whose credit term has been extended under the concluded loan agreements until March 31, 2026.

A compensatory interest rate of 15% per annum is applied to the individual entrepreneur loan until its repayment date.

* Valid until March 31, 2024, after which the Bank's trading rate will apply.

Main program parameters

Additional interest rate compensation

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

Maximum loan amount

Maximum amount 3,000,000.00 (three million) hryvnias – for a loan provided to an individual entrepreneur without collateral (under guarantee);

90 million hryvnias. provided to a business entity — a producer of agricultural products together with members of a group of related counterparties;
150 million hryvnias. provided to a business entity together with members of a group of related counterparties in priority areas;
150 million hryvnias. provided to a business entity together with members of a group of related counterparties that conducts business activities in a high military risk zone;
5 million UAH for financing working capital provided to each business borrower, excluding members of a group of related counterparties;

Maximum loan term

Up to 5 years - for investment loans

Up to 3 years – for loans to replenish working capital

Bank commission

Maximum amount — 1.5%

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

Guarantee fee

0.5% per annum of the amount of debt under the MMP loan

Level guarantee coverage

50% of the loan amount

Participant portrait

Available loans 5-7-9% - photo 14 - mtb.ua

Newly established enterprises

Operating for less than 12 months.
Having experience and a business plan for the implementation of an investment project
The total amount of state aid received by a small business during any three-year period of the Program implementation cannot exceed the equivalent of 200 thousand euros

Available loans 5-7-9% - photo 15 - mtb.ua

Operating enterprises

Operating 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 a small business during any three-year period of implementation of the Program cannot exceed the equivalent of 200 thousand euros
For individual entrepreneurs on loans under guarantee up to 3 million UAH
- whose annual income from any activity does not exceed 50 million UAH
- the individual entrepreneur cannot be part of the Group of related counterparties, except for business entities registered in the form of individual entrepreneurs, the number of which cannot exceed 5 (five) people, throughout the entire period of receiving State support

Questions and Answers

Who can use the program «Available loans 5-7-9%»

How is a loan granted

What does the rate depend on?

Breach of the terms of the loan agreement and suspension/termination of the provision of Compensation

Who cannot be a participant?

Loan application

Personal data

Surname

Your name is Cyrillic, as in the passport

First name

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Patronymic

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Newly established enterprises	Operating enterprises
Conducting business activities for 6 months or more.	Conducting business activities for more than 12 months.
A business plan for the implementation of the investment project. Business plan requirements	Profitable economic activity for the last reporting year
The total amount of state support received under any program during a three-year period cannot exceed the equivalent of 200,000 euros	The total amount of state support received under any program during a three-year period cannot exceed equivalent to 200,000 euros