Investment Loans

Support for medium and corporate business customers in implementing investment purposes

Terms

Purpose Implementation of investments, in particular:
  • purchase of non-residential real estate;
  • purchase of equipment secured by property rights to the manufactured equipment;
  • coverage of previously incurred investment losses;
  • repairs of non residential premisses
Loan tenor Up to 5 years
Minimum loan amount UAH 10 mn and more/in EUR, USD eq.
Loan type Non-revolving credit line
Collateral Real estate and movable property, property rights, surety
Interest rate Variable (margin amount is fixed per year and subsequently revised) 365 days and more:
  • hryvnia – UIRD 3M + 2.50%;
  • US dollar – UIRD 3M + 4.25%;
  • euro – UIRD 3M + 4.1%.
Under the “Affordable Loans 5-7-9%” program:
  • 9% per annum with an opportunity of reduction to 7% if created new jobs;
  • 13% per annum, excluding 3% per annum for business entities which provide their economic activities in high military risk zone*
Fee For granting a financial loan/for management of a financial loan (regarding increase in the contract limit)/for management of financial loan (regarding increase in the term of use):
  • medium business customers: 0.25%;
  • corporate business customers: 0.1%.
Under “Affordable Loans 5-7-9%” program: 1–1.5% (timely) of the loan amount

* High military risk zone shall mean the territories of possible hostilities, included in the list approved by the Ministry of Reintegration, for which the date of ceasing the hostilities is undetermined, or the territories where the hostilities or occupation have not been taking place for at least one calendar year as of the loan agreement date.

The terms listed above are applied to the execution of new transactions and are not grounds for revision of terms for effective transactions. Final decision on interest rate and fees is approved depending on the amount of financing, collateral types and cooperation regarding other products of the bank.

Frequently Asked Questions

My company has no PrivatBank account. Can I get an investment loan?

No, you should open a PrivatBank account. You can do it online at the link.

Can the loan be repaid prematurely?

Yes, the loan is repaid prematurely without any extra fees.

Do investment loans participate in state programs?

Yes, borrowers can receive interest compensation from the state under the “Affordable Loans 5-7-9%” program, and the state guarantees as collateral for the loan obligations.

What is the investment loan amount which I can receive?

The limit is calculated individually, when the required documents are submitted to the bank and evaluated the financial status of the company.

Are there any additional sanctions in case of misuse of credit funds?

Yes, loan agreement stipulates punitive sanctions.