You can replenish your current funds by opening a term credit or revolving credit line in the Bank.
These loans are given to residents of Ukraine — entities of entrepreneurship, both private persons and legal entities, having the experience of business activity for above 12 months and irreproachable reputation (excluding the agro-business entities, for which there are some special offers). The borrower’s business should be profitable, and his financial state should be confirmed by official documents. The share of the state property in the borrower’s capital structure should not exceed 25%.
Term credit — is the legally drawn Bank’s liability to give the borrower a stipulated credit amount for a certain period on certain conditions. The credit is given once or in the form of a non-revolving credit line, that is, in case of the borrower's obtaining the full sum of credit funds, the further giving of credit funds to the borrower will be ceased, disregarding the actual amount of credit indebtedness during the credit agreement’s validity period.
Revolving credit line — is the credit line with the fixed credit limit. In case of partial or full repayment of the credit, the borrower may repeatedly obtain a credit within the frames of the fixed limit during the validity period of the credit agreement.
In our bank you are also able to refinance your indebtedness on the credit, obtained in another bank for financing the replenishment of your current funds. The exclusion is only the outstanding current indebtedness and bad indebtedness, revealed during the analysis of the borrower’s credit application.
Basic terms:
1. Credit period — to 1 year with possible re-conclusion of the credit agreement for the next year.
2. Credit currency — UAH, EUR or USD.
3. Credit limit — from 5 thousand to 1.5 million EUR or other currency equivalent, but no more than 25% of the confirmed earnings from realization of products/goods/services per year.
4. Credit security:
real estate (non-residential and residential realty, land plots);
machinery and equipment;
property rights on deposit agreements (for legal entities);
surface transport vehicles;
circulated goods;
integral property complexes.
5. Lumpsum commission for opening a credit — 0.99%.
real estate (non-residential and residential realty, land plots);