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.


  • 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 300,000 UAH - unsecured; in other cases - secured by equipment, vehicles, or real estate.

Interest rate: 19% per annum, fixed for the entire loan term.

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.