Fixed assets loan

Opportunity to buy transport, agricultural machinery, special machinery and equipment on favorable terms.

Rate – from 5% per annum in UAH
No currency risks
Early repayment – ​​no fees
Minimum package of documents

Terms and conditions (transport, agricultural machinery, special equipment)

Financing rate under the
"Affordable loans 5-7-9%” terms

For customers with annual turnover of up to MEUR 10 (equivalent): 7% per annum with the possibility to reduce to 5% per annum if new jobs are created.

For customers with annual turnover of up to MEUR 10 (equivalent): 9% per annum with the possibility to reduce to 7% per annum if new jobs are created.

For customers from the High Military Risk Zone*:

  • 1% per annum in the first two years of lending
  • 5% per annum from the third year of lending.
Interest rate under standard terms and conditions without participation in government programs

UIRD 3m + 6% - for micro business customers
UIRD 3m + 5 % - for small business customers
UIRD 3m + 3 % - for medium and corporate business customers

One-off commission under the "Affordable loans 5-7-9%" state program

1.5% of the loan amount

One-off commission under standard terms and conditions

1% of the loan amount

Loan term From 1 to 5 years
Financing rate under standard terms and conditions

For customers with turnover of up to MUAH 30: UIRD 3m + 6%.

For customers with turnover from MUAH 30 to 300: UIRD 3m + 5%.

For customers with turnover over MUAH 300: UIRD 3m + 3%.

You can find out the value of UIRD 3m on the current date by following the link.

Financing rate under affiliate programs From 0.01% per annum
Advance payment From 10% of the purchase price
Payment schedule Monthly in equal installments or adapted (repayment of the principal debt at least 2 times within every 12 months) taking into account the seasonality of the business
Funding amount From K UAH 240 to the equivalent of MEUR 15

Assessment companies
Insurance partners

Terms and conditions (Equipment)

Interest rate under the "Affordable loans 5-7-9%" state program

For customers with an annual turnover of up to MEUR 10 (equivalent): 7% per annum with the possibility to reduce to 5% per annum if new jobs are created.

For customers with an annual turnover of more than MEUR 10 (equivalent): 9% per annum with the possibility to reduce to 7% per annum if new jobs are created

For Customers from the High Military Risk Zone*:
1% per annum in the first two years of lending
and 5% per annum from the third year of lending.

Interest rate under standard terms and conditions without participation in government programs

UIRD 3m + 6% - for micro business customers
UIRD 3m + 5 % - for small business customers
UIRD 3m + 3 % - for medium and corporate business customers

One-off commission under the "Affordable loans 5-7-9%" state program

1.5% of the loan amount

One-off commission under standard terms and conditions

1% of the loan amount

Equipment supplier VAT payer
Cost per unit

From K UAH 100 including VAT, taking into account the minimum loan amount

Loan amount

Minimum loan amount: K UAH 240 or project cost from K UAH 350

Advance payment From 30% depending on the equipment type
Loan term from 12 months to 60 months depending on equipment type and financing program
Repayment schedule
  • Monthly in equal installments
  • Adapted (repayment of the principal debt at least 2 times during every 12 months) taking into account the seasonality of the business
Equipment acceptance criterion New equipment. Ability to identify and monitor (check availability and status)
Collateral Equipment purchased and CMU/EBRD guarantee (if available)

Equipment brands

PrivatBank is a participant in the "Affordable Loans 5-7-9%" state program

PrivatBank is a participant in the "Affordable Loans 5-7-9%" state program
Take advantage of the opportunity to receive interest compensation under the "Affordable Loans 5-7-9%" state program.
More details

Frequently Asked Questions

How does the fixed assets lending program work?

  1. A customer wants to buy agricultural machinery on credit and selects what he needs.
  2. Addresses the PrivatBank to issue the loan.
  3. Obtains the decision on financing the purchase and the warranty letter confirming that the Bank is ready to pay up to 80% of the machinery price using credit funds when the loan is approved.
  4. The customer issues the documented loan agreement at the bank and pays the down payment to the supplier (the rest of funds the supplier receives from the bank).
  5. If the agreement is issued for a soft loan under the “Affordable Loan 5-7-9%” program, the customer receives support from the state.

What does the down payment amount depend on?

The down payment amount depends on the financial status of the customer and the type of purchased property.

What is the “Affordable Loans 5-7-9%” state support program?

Under the “Affordable Loans 5-7-9%” program the state compensates an entrepreneur for the part of debt burden. The more jobs you create, the greater the compensation % on the loan you receive.

More details

How to issue a loan for agricultural machinery?

Let’s look step by step at how the agricultural machinery lending state support program works at PrivatBank.

For example, you are going to upgrade fixed assets for agricultural farming. When the machinery is chosen, you should contact PrivatBank and request to get a loan for the agricultural machinery purchase.

Then the terms of financing are approved and the agreement is documented. Under the loan agreement, the bank covers up to 80% of the machinery price with the credit funds and you pay the rest. Therefore, you do not need to provide an additional pledge, as the property which you are going to purchase is the collateral.

The loan repayment scheme for the purchase of fixed assets is adapted to the stages of your agricultural or production cycle.

If the agreement is issued for a soft loan under the “Affordable Loans 5-7-9%” program, the customer receives support from the state.