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To easily open and develop your own enterprise even during the war.
"Affordable loans 5-7-9%" together with Bisbank
Advantages
Conditions
Type of loan
Revolving and non-revolving credit line, one-time loan
Currency
UAH
Term
up to 5 years — for loans for investment purposes
up to 3 years — for loans to finance working capital
until March 31, 2024 — for loans granted to agricultural producers
Maximum amount
UAH 60 000 000
agricultural producers — UAH 90 000 000
enterprises carrying out activities in the field of processing industry, working in the zone of high military risk, reconstruction of fixed assets destroyed as a result of military aggression — UAH 150 000 000
Goal
Replenishment of working capital and investment goals
Loan security
without collateral under the guaranty of the owner of the enterprise — for the amount of the loan up to UAH 7 500 000
property that is partially purchased with credit funds
other liquid movable and immovable property
Payment
from 3% for loans to replenish working capital
from 1% for loans for investment purposes
Advance payment for investment loans
from 20%
Commission
1.5% of the loan amount
* you will find out the detailed conditions from the credit manager of JSC “BANK INVESTMENTS AND SAVINGS”.
Documents
Previous editions can be found at the link
Frequently asked questions
What is the 5-7-9% state lending program?
The state program “Affordable loans 5-7-9” was created at the initiative of the President of Ukraine and the Cabinet of Ministers to support the development of small businesses.
A sole proprietorship or a legal entity that is a participant in the “Affordable Loans 5-7-9” program can receive a loan of up to UAH 50 million for a period of up to 3 or up to 5 years, depending on the financing goals.
In addition, the rates of 7 and 9% can be reduced by creating new jobs. Yes, for each hired employee, the business receives a discount of 0.5% per annum. However, note that the rate cannot be lower than 5% per annum.
Preferential state credit “5-7-9” for business is given for a specific purpose. It may be:
- purchase and repair of premises;
- acquisition or modernization of fixed assets;
- acquisition of intellectual property rights;
- increase of working capital up to 25% of the cost of the investment project;
- refinancing of existing debt.
How to get "Affordable credit 5-7-9%"?
First of all, it is worth checking whether your business and lending goals meet the criteria for participation in the program. To do this, carefully read the conditions on this page and on the website 5-7-9.gov.ua.
If “Available loans 5-7-9%” suit you in all respects, register an application on the site and our employee will contact you.
Pay attention! To become a member of the program of preferential loans for business, you need to have an account with BISBANK.
Prepare and provide our specialists with the specified package of documents. Based on it, the bank will make a decision on issuing a loan under the “Affordable Credit 5-7-9” program. If the answer is positive, all that remains is to sign the loan agreement.
Who can apply for a loan with compensation under the "Affordable loans 5-7-9%" program?
- A natural person is an entrepreneur, a resident of Ukraine.
- A legal entity whose ultimate beneficial owners (controllers) are natural persons – residents of Ukraine.
- Agricultural commodity producer (within the meaning given in the Law of Ukraine “On State Support of Agriculture of Ukraine”).
An entity of a large business that carries out retail trade in goods, in the structure of net income from the sale of which (excluding value added tax) at least 60% belongs to food products together with alcoholic beverages and tobacco products as of February 1, 2022. - Business entity of the state or communal sector of the economy.
What are the rules for targeted use of credit for participation in the state program "Affordable loans 5-7-9%"?
Loans for which state support can be provided are provided for the following purposes:
- investment, in particular acquisition and/or modernization of fixed assets;
- working capital financing.
It is prohibited to use credit funds to repay loans and interest or other debt under credit agreements, as well as to pay dividends and provide financial assistance. In case of inappropriate use of funds, the business entity loses the right to state support under the contract under which the violation occurred.
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