Lending Programs
Choose lending program that suits best according to your business needs
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EBRD Energy Security Support Facility
The Energy Security Support Facility (ESSF) from the European Bank for Reconstruction and Development (EBRD) covers 80 % or 50 % of credit risks and enables businesses to strengthen their energy resilience and independence by obtaining a loan on favorable terms with a flexible approach to collateral. The Program is supported by the European Union through the EBRD-EU Ukraine Investment Framework (UIF) Guarantee Agreement, by the donors of the EBRD Crisis Response Special Fund (France, Canada, Italy, Japan, Norway, Switzerland, the United Kingdom, Germany, Netherlands, Denmark, and other countries) and by France by way of the EBRD-France Master Guarantee Agreement.
The program provides funding for projects to build solar, wind, and biogas power plants, purchase generators, storage systems, solar panels, gas CHPs, and other equipment that will help improve energy efficiency and develop new energy generation and storage capacities.
Up to 20 % of all loans under the Program will support financing long-term investments by micro, small, and medium-sized enterprises (MSMEs) in the modernization of equipment and technologies in line with European Union (EU) standards. These loans are provided under the EU-EBRD SME Competitiveness and Inclusion Program (SMECI) and include investment incentives (cashback) ranging from 10 % to 30 % of the loan amount.
If your project needs technical assistance, you can receive it for free from the program's consultants. Technical assistance is financed by the EBRD Shareholder Special Fund.
Terms of financing:
| Amount | Up to EUR 8,250,000 or equivalent in other currencies |
| Currency | UAH, EUR, USD |
| Collateral | Flexible approach, 80 % or 50 % (for loans with investment incentives) of standard requirements covered by a guarantee |
| Purposes | Purchase of fixed assets (loans/payment guarantees/letters of credit) |
| Term | Up to 84-96 months |
| Repayment schedule | Annuity or a customized repayment schedule tailored to your business model |
| Combination with other Programs | Program "Affordable Loans 5-7-9 %" |
For more information, please contact your Business Client Adviser or call 0 800 50 09 90
Resilience and Livelihoods Guarantee (RLG)
Provided by the European Bank for Reconstruction and Development (EBRD), the Resilience and Livelihoods Guarantee (RLG) covers up to 50 % of credit risks and enables the issuance of new loans totalling EUR 70 million to private enterprises operating in critical sectors, including agriculture, manufacturing, energy security, pharmaceuticals, and logistics. The loans issued under this guarantee make it possible for businesses to continue their operations and ensure livelihoods, which is essential for economic resilience and post-war recovery in Ukraine. The Program is supported by the European Union through the Ukraine Investment Framework (UIF) and EBRD Crisis Response Special Fund (EBRD CRSF).
The programme is also focused on supporting vulnerable groups, allocating a share of the loans to borrowers affected by asset destruction and losses caused by the war in Ukraine as well as companies contributing to the reintegration of veterans into civilian life and those aiding veterans, their families, internally displaced persons and people with disabilities. Loans will also be granted to borrowers from war-affected territories and woman- and youth-led businesses.
Up to 20 % of the risk-shared loans will help private small and medium-sized enterprises (SMEs) make long-term investments in European Union-compliant and green technologies, improving their competitiveness in domestic and foreign markets. This component is funded by the EU as part of the joint EU-EBRD SME Competitiveness and Inclusion Programme – SMECI. Eligible borrowers will have access to technical assistance and investment incentives grants financed by EBRD CRSF ranging from 10 % to 30 % of their project costs upon successful completion of their investment projects. At least 50 % of loans with investment incentives will be allocated to borrowers from underserved groups.
The EBRD facility will be supported by first-loss risk cover funded by the European Union under its Ukraine Investment Framework (UIF) initiative.
The EBRD has deployed more than EUR 7 billion in Ukraine since the start of the war. In addition to support for the private sector, its strategic priorities in the country are supporting energy security, vital infrastructure, food security and trade.
Financing Terms:
| Amount | Up to EUR 3,500,000 or equivalent in other currencies |
| Purposes and terms | Acquisition of fixed assets: up to 66 months Financing of working capita: up to 36 months Payment guarantees, bill aval: up to 36 months |
| Currency | UAH, EUR, USD |
| Collateral | Flexible approach, 50 % of standard requirements covered by a guarantee |
| Repayment schedule | Annuity or a customised repayment schedule tailored to your business model |
| Combination with Other Programs | Programme "Affordable Loans 5-7-9 %" |
For more information, please contact your Client Adviser or call 0 800 50 09 90
Lending for projects to restore the energy infrastructure
ProCredit Bank has joined the Memorandum on lending for projects to restore Ukraine’s energy infrastructure damaged by hostile shelling, and for the strategic strengthening of the country's energy independence. We offer affordable financing for businesses planning to invest in such projects.
Financing terms:
| Interest rate | 13.5% per annum (UIRD12 + margin)* |
| Loan currency | UAH |
| Loan term | up to 7-10 years |
| Own contribution | from 0% |
— Grace period for principal repayment up to 12 months
— Adaptable payment schedule to accommodate business seasonality
Projects eligible for financing:
- Electricity generation from renewable energy sources
- Cogeneration plants
- Energy storage systems (batteries, other)
- Generator installations
- Heat pumps
- Solar collectors
- Transformer units and other equipment/devices for electricity transmission
- Gas distribution stations and gas distribution points
- Boilers and heat networks
*13.5% per annum for the first year of financing; starting from the second year, a variable rate applies
Programme to provide SMEs in Kyiv with credit and financial support
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 Business development 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. Production facilities shall be located (fully or partially) within the territory of Kyiv and Kyiv region.
Responsible for Programme – General Manager Oleksandr Povshedniy,
e-mail: Oleksandr.Povshedniy@procredit-group.com
Loan conditions:
| Loan purpose | Procurement and modernization of production assets / industrial premises, implementation of energy saving projects, working capital |
| Eligible activity | Production Service provision Trade |
| Borrower share in investment | Not less than 20% of financed investment |
| Currency | Ukrainian hryvnia |
| Repayment schedule | Equal monthly instalments; flexible repayment schedule is possible |
| Amount of CFS | 99% of the nominal interest rate |
Programme "Affordable Loans 5-7-9%"
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ProCredit Bank takes part in the governmental programme for support of micro- and small business called “Affordable Loans 5-7-9%”. The Programme provides financial support by compensating business with the interest rate in part, down to the level of 3%, 5%, 7% 9% and 13% per annum for the loans in the national currency.
The Programme is being implemented by the Government of Ukraine on the initiative of the President of Ukraine via the Business Development Fund (BDF).
You can read Terms and Conditions of the Programme on the BDF's official website (in Ukrainian only).
Foundation Contacts:
9 Instytutska St., Kyiv, 01601
+380 44 333 43 54
mail@bdf.gov.ua
The German-Ukrainian Fund (GUF) special lending conditions*
This programme is being implemented within the framework of the Business Development Fund (BDF) 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 BDF 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 BDF provides loans to individual entrepreneurs and small and medium-sized businesses that meet the following criteria:
| Number of employees | No more than 250 |
| Gross annual income | No more than EUR 50 000 000 |
Loan conditions
| Maturity | Fixed assets: up to 72 months Working capital: up to 36 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 |
| Ability to combine with other loan programs | State programme "Affordable loans 5-7-9%"; State guarantee; EBRD Food Security Guarantee; DCFTA |
| Additional costs | Notarial registration; Insurance (mandatory) |
*The successor of the German-Ukrainian Fund is the Business Development Fund
For more information, please contact the Contact Centre or your Business Client Adviser.
Partial Credit Guarantee Fund in Agriculture
The Partial Credit Guarantee Fund for Agriculture (hereinafter referred to as the “Fund”) is a non-bank financial institution established by the Cabinet of Ministers of Ukraine in 2022 with the support of the World Bank and the European Union. The Ministry of Agrarian Policy and Food of Ukraine is responsible for managing the state’s corporate rights in the authorised capital, which is 100%.
The main purpose of the Fund is to support agricultural producers (micro, small and medium-sized enterprises) by providing partial guarantees covering 50% of the principal obligations of such entities under loan agreements.
The official website of the Fund is https://pcgf.com.ua (only available in Ukrainian)
Financing criteria and conditions:
| Target group | Micro-enterprises, small and medium-sized enterprises operating in the agricultural sector and with a minimum of 75% of their revenue coming from the sale of agricultural products |
Average number of employees | No more than 250 employees |
| Total land area | Up to 500 hectares (land which is owned/cultivated (per group of companies), including land purchased with the loan) |
| Additional eligibility criteria | Entity: — complies with the environmental and social requirements of the current legislation of Ukraine as well as the environmental and social requirements of the World Bank; — is registered in the State Agrarian Register (SAR); — has more than one (1) year of business experience. |
| Термін надання гарантії | Up to 3 years — for working capital; Up to 7 years — for investment loans (purchase and/or repair of fixed assets, including agricultural machinery and commercial premises, measures to align said assets with modern environmental standards, and the improvement of labour and safety conditions); Up to 10 years — for purchase of land (subject to a pledge of such land plots as collateral to the Bank). |
| Guarantee coverage | Up to 50% of the outstanding loan amount |
| Maximum loan amount | UAH 30,000,000 (for one loan or the total amount of loans to the borrower and/or group of related parties) |
| Currency | UAH |
| Commission for disbursement and servicing | In accordance with the fees of the selected loan programme as well as an additional 0.5% of the guarantee amount granted by the Fund |
| Collateral | Any acceptable collateral (property, personal surety, etc.) to cover the principal debt not guaranteed by the Fund |
| Repayment schedule | Flexible schedule (% monthly, loan principal – seasonal schedule); Annuity (monthly, in equal instalments) |
| Possibility to combine with other programmes | State programme “Affordable loans 5-7-9%” |
| Additional costs | Notarial registration; Insurance (mandatory) |
For more information, please contact the Contact Centre or your Business Client Adviser.
The U.S. International Development Finance Corporation (DFC) special lending conditions
The U.S. International Development Finance Corporation (DFC), with technical support from the U.S. Agency for International Development (USAID), has provided ProCredit Bank with credit risk guarantees of 50% or 80%, enabling the bank to offer loans with relaxed collateral requirements. The purpose of these loans is to support and develop SMEs operating primarily in, but not limited to, the agriculture and agro-processing sectors.
Private companies that meet at least two of the following criteria are eligible for financing:
| Annual revenue | Assets | Number of employees |
| up to $15,000,000 | up to $15,000,000 | under 300 |
The loan can be combined with the Affordable Loans 5−7−9% programme, the state-sponsored business support programme.
Terms of financing:
Loan amount | Up to $1,000,000 or the equivalent in another currency |
Loan products | Term loan Single payment loan |
Loan repayment terms | 6 to 72 months |
Currency | UAH, EUR, USD |
Financing objectives | Fixed assets Replenishment of working capital |
Collateral | Flexible approach, 50% or 80% of the standard requirements are covered by the guarantee |
| Repayment schedule | Annuity or individual plans tailored to the company’s business model |
| Limits | Financing cannot be provided for any purposes and activities listed in the DFC Exclusion List |
For more information, please contact your Client Adviser or call 0 800 50 09 90
The U.S. International Development Finance Corporation (DFC) is the U.S. Government's development finance institution. DFC partners with the private sector to finance solutions to the most critical challenges facing the developing world today. DFC invests across sectors including energy, healthcare, infrastructure, agriculture, and small business and financial services. DFC investments adhere to high standards and respect the environment, human rights, and worker rights.
The United States Agency for International Development (USAID) has worked in Ukraine since 1992, and currently delivers more than 40 activities across a broad portfolio approaching $2 billion. For more information, visit https://www.usaid.gov/ukraine.