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German-Ukrainian Fund special lending conditions

The German-Ukrainian Fund

Financing programme for clients with a gross annual income of no more than EUR 5 million

The joint lending programme with the German-Ukrainian Fund provides loans to individual entrepreneurs and small and medium-sized businesses that meet the following criteria:

Number of employees No more than 250
Type of business • Agriculture and food industry
• Hotel development, green tourism
• Restaurants and catering companies
• Light industry
• Energy saving projects, increase in labour productivity
• Production
• Provision of services (all industries)
• Trade

Loan conditions

Maturity Up to 36 months
Currency UAH
Maximum loan amount Equivalent of EUR 100,000
Collateral 100% collateral coverage is not necessary
Repayment terms Annuity (monthly or equal payments); flexible schedule possible
Extra costs • Statement from the State Register of Encumbrances on Movable Property
• Statement from the Bureau of Credit Histories
• Notarial registration
• Insurance (in accordance with the decision of the Credit Committee)

The UIRD bid rate for loans from the GUF during the period from 1 October 2018 to 31 December 2018 is 13.46% for 3 months.

The discount rate of the National Bank of Ukraine is 16%.

Financing programme for clients with a gross annual income of no more than EUR 10 million

This programme is being implemented within the framework of the GUF with the financial support of the German government through the KfW Development Bank. The funds are being provided in Ukraine in the form of loans and grants aimed at supporting the projects of small and medium-sized enterprises.

The funds are also being provided through the GUF with the financial support of the European Union as part of the projects "SME financing in the framework of the Eastern Partnership - Stage II" and "EU4Business" for the reimbursement of losses resulting from the exchange rate difference for loans granted to SMEs under the programme.

The joint lending programme with the GUF provides loans to individual entrepreneurs and small and medium-sized businesses that meet the following criteria:

Number of employees No more than 250
Type of business • Agriculture, forestry and fishery
• Manufacturing industry
• Temporary placement and organisation of food
• Supply of electricity, gas, steam and air conditioning

Loan conditions

Maturity Up to 24 months
Currency UAH
Maximum loan amount Equivalent of EUR 250,000
Collateral 100% collateral coverage is not necessary
Repayment terms Annuity (monthly or equal payments); flexible schedule possible
Extra costs • Notarial registration
• Insurance (in accordance with the decision of the Credit Committee)

The UIRD bid rate for loans from the GUF during the period from 1 October 2018 to 31 December 2018 is 13.46% for 3 months.

Please address the Contact Centre or a ProCredit bank branch for more details.

GUF Programmes

Partner Banks

Deutsche ZusammenarbeitKFWEU4Business

InnovFin Programme – Financing Innovative Projects

InnovFin Programme

What is InnovFin and who is it intended for?

  • InnovFin represents part of a joint initiative between the European Investment Fund (EIF) and the European Union
  • The initiative is designed to facilitate access to finance innovative projects
  • It focuses on small and medium-sized enterprises as well as on small enterprises with medium market capitalization of up to 500 employees
  • The InnovFin Programme is firstly focused on enterprises that are orientated towards development and innovative activities, companies that invest in new technologies and energy efficiency and who follow market trends for the purpose of improving operations
  • Innovation is understood as those investments that are new for the company and which contribute to its modernisation as well as being in accordance with the predefined criteria of the EIF

What does the InnovFin Programme mean to our clients?

  • The InnovFin Programme at ProCredit banks, as the only bank on the market that can provide this type of guarantee, stimulating our clients towards innovation and providing them with the opportunity to increase competitiveness
  • Reduced collateral requirements
  • Lower interest rates

The criteria that clients have to fulfil in order to apply for the InnovFin Guarantee Fund are as follows:

  • Financing innovative projects
  • The minimum loan amount is EUR 50,000, and the maximum individual amount per client is EUR 7.5 million

The programme is supported by the InnovFin SME Guarantee Facility, with the financial backing of the European Union under Horizon 2020 Financial Instruments.

Programme to provide SMEs in Kyiv with credit and financial support

KCSA NUF

This programme offers a transparent and efficient mechanism to provide credit and financial support (CFS) to SMEs in Kyiv based on the best European practices, aiming to increase economic and investment activity, create new jobs and improve wellbeing.

The programme is implemented in cooperation with Kyiv City State Administration and the German-Ukrainian Fund, with financial support from the government of Germany through KfW Development Bank, and from the European Union within the EU4Business initiative.

The programme is available to enterprises registered in Kyiv and production facilities located within the territory of Kyiv.

Terms and conditions:

Loan purpose Procure and modernise production assets / industrial premises
Eligible activity • Production
• Service provision
Borrower share in investment Not less than 20% of financed investment
Currency Ukrainian hryvnia
Maximum loan amount 250,000 euro equivalent
Repayment schedule Equal monthly instalments; flexible repayment schedule is possible
Amount of CFS 50% of the nominal interest rate
Term of CFS Up to 24 months

Deutsche ZusammenarbeitKFWEU4Business

European Investment Bank special lending conditions

The European Investment Bank (EIB), the financing institution of the European Union established by article 308 of the Treaty on the Functioning of the European Union, participates side-by-side with local financial institutions in the financing of investment programmes which form part of the objectives of the European Union.

Within the framework of the programme, the bank grants to the Borrower a financial advantage reflected on the interest rate. Such financial advantage amounts to a minimum of 25 basis points (twenty-five basis points) per annum compared to the annual interest rate the Lender would charge for this loan without EIB participation;

The joint lending programme with the European Investment Bank provides loans to small and medium-sized businesses meeting the following criteria (based on group of related party principle):

Number of employees Less than 250
Economic activity • Agriculture
• Industry
• Services

Loan conditions

Minimum maturity 2 years
Minimum amount 2 mln UAH
Currency UAH

Guarantee programme under the Deep and Comprehensive Free Trade Area Agreement

European Investment Bank and European Investment Fund, together with JSC “ProCredit Bank” offer to the clients, under the Deep and Comprehensive Free Trade Area (DCFTA) Agreement, EU4Business Initiative Easta guarantee programme that enables clients to receive funding on preferential terms, namely:

  • Lower interest rate
  • Flexible collateral requirements – guarantee covers 70% of the standard collateral requirements
  • Repayment period of up to 10 years
  • Repayment plan adapted to client’s business model

The criteria that clients have to fulfil in order to apply for the DCFTA Guarantee:

  • Maximum loan amount – up to EUR 5 mln
  • Number of employees – up to 250
  • Annual turnover – up to EUR 50 mln
  • The sum of assets of an enterprise – up to EUR 43 mln

The programme has been made possible through the support of the European Union under the DCFTA Agreement Initiative East.

ProCredit HoldingEuropean Investment BankEuropean Investment FundEU4Business

Updated on 15.11.2018 15:37:28
Created by Boldendeavours
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