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Affordable financial leasing 5-7-9% for veterans

Financing for veteran-owned businesses within the "AFFORDABLE FINANCIAL LEASING 5-7-9%" Program, implemented by the Government of Ukraine upon the initiative of the President of Ukraine through the Entrepreneurship Development Fund.

Conditions of participation in the program: 

  1. A legal entity participant must be a combat veteran with a minimum 25% stake in the share capital.
  2. The director of a legal entity must be a combat veteran.
A combat veteran must not have any criminal liability, unresolved or unexpunged criminal records, or be wanted for unauthorized leave from a military unit or service location or for desertion.

Purpose of the loan:

  • acquisition and/or modernization of fixed assets by the business entity;
  • acquisition of commercial and industrial vehicles, used for commercial and industrial purposes by the business entity;
  • acquisition of non-residential real estate for business operations by the business entity, without the right to transfer such property for paid or unpaid use to third parties.

Interest rates:
 

Parameters For investment loans For investment loans inpriority areas1
For micro and small enterprises For medium enterprises For micro and small enterprises For medium enterprises
Interest rate for state program loans 9% 11% 5% 7%
Additional compensation by JSC "CB "GLOBUS" 2% 2% 2% 2%
Effective interest rate with Bank’s additional compensation 7% 9% 3% 5%

1  Priority Areas: 1) Financing MSMEs—agricultural producers for agricultural activities; 2) Support for MSMEs engaged in manufacturing (primary NACE code) across all NACE codes in Section C of the National Classifier of Ukraine; 3) Reconstruction of MSME fixed assets destroyed as a result of military aggression, confirmed by relevant documentation (destruction and damage reports indicating cause, damage (destruction) reports for movable property, an extract from the Unified Register of Pre-Trial Investigations regarding the initiation of criminal proceedings, registry data from the State Register of Property Damaged and Destroyed as a Result of Hostilities, Terrorist Acts, or Sabotage caused by the military aggression of the Russian Federation, and property appraisal report (property assessment act)