The bank is interested in long-term mutually beneficial cooperation with reliable borrowers. In accordance with the principles of the Bank's credit policy, the Bank does not limit itself to lending to a particular sector of the economy, but tries to cooperate with all economic agents, regardless of the field of their activity, thereby diversifying the loan portfolio.
The bank's credit products are designed for different clients, taking into account the specifics of their activities. We offer you credit products, both in national and foreign currency:
As a guarantee of loan repayment, the Bank accepts various types of collateral (the following may be used as pledges):
JSC "COMINBANK" is a participant of the State Programme for Support of Micro, Small and Medium-Sized Businesses "Affordable Loans 5-7-9%", which provides financial assistance by reducing the cost of loans through compensation of the interest rate on loans in national currency to the level of 1% to 15% per annum depending on the direction of the state programme.
The programme has been implemented by the Government of Ukraine since 2020 at the initiative of the President of Ukraine through the Entrepreneurship Development Fund.
| Funding objectives | investment | working capital financing |
| Loan term | up to 120 months. | up to 36 months |
| Amount | from UAH 500 thousand to UAH 150 million. | |
| Interest rate, per annum** | 1% - during the first two years of lending, 5% - thereafter | 3% |
| Provision | Liquid property (real estate/vehicles/agricultural machinery/equipment) + a guarantee from an individual business owner (for legal entities) | |
| Funding objectives | investment | working capital financing |
| Loan term | up to 120 months | up to 36 months |
| Amount | from UAH 500 thousand to UAH 90 million - financing of agricultural producers | |
| from UAH 500 thousand to UAH 150 million - funding under certain priority areas of the State Programme | ||
| from UAH 500 thousand to UAH 60 million - for other micro, small, medium and large enterprises | ||
| Interest rate, per annum** | from 5% to 9% | 7% or 9% - within certain priority areas of the State Programme |
| 13% - for other micro, small, medium and large enterprises | ||
| Provision | Liquid property (real estate/vehicles/agricultural machinery/equipment) + a guarantee from an individual business owner (for legal entities) | |
| Funding objectives | investment | working capital financing |
| Loan term | up to 120 months. | up to 36 months |
| Amount | from UAH 500 thousand to UAH 3 million. | |
| Interest rate, per annum** | 15% | |
| Provision | surety | |
* territories of possible hostilities included in the list of territories where hostilities are (were) conducted or temporarily occupied by the Russian Federation, approved by the Ministry of Reintegration, for which the date of termination of the possibility of hostilities is not determined, or territories from the date of completion of hostilities (termination of the possibility of hostilities) or temporary occupation of which less than one calendar year has passed as of the date of the loan agreement
** provided that the business entity complies with the terms of the State Programme and fulfils the terms of the loan agreement
*** the list of priority areas under the State Programme and additional lending terms are established in accordance with the Procedure for Providing Financial State Support to Business Entities approved by the Resolution of the Cabinet of Ministers of Ukraine No. 28 dated 24 January 2020