Working capital loan

Product for financing the client's working capital (liquidity gaps) or for refinancing the client's existing debt with other banks.  

Type of loan: revolving credit line. 

Currency: UAH. 

Purpose: 

  • purchase of raw materials and inventory, payment for goods and services, other purposes related to operating activities (including payment of wages, mandatory budget payments, etc.);
  • refinancing of term debt on a working capital loan from another bank.
  • Loan term: up to 24 months, but with tranches of no more than 12 months. 
  • Collateral: up to 1 000,000 UAH - unsecured; in other cases - secured by equipment, vehicles, or real estate. 
  • Interest rate: 17.99% per annum (for unsecured loans); 16.99% per annum (for secured loans).  
  • Interest repayment: monthly. 
  • Commission: 1% of the loan limit amount (one-time). 
  • Guarantor: business owner. 

The client's business experience: more than 24 months. 

Loan repayment: according to an individual schedule and/or a schedule for reducing the debt limit. 

This loan product also provides for the possibility of lending under the state program "Affordable Loans 5-7-9%". In this case, the lending rate and the issuance fee are determined in accordance with the current conditions of the state program "Affordable Loans 5-7-9%". 

More details at the link. 

For more detailed information on the product terms and its processing, please contact the servicing branch.

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