Micro overdraft

Expand your business opportunities

Online loan application

Fill in all fields of the online loan application and wait for a response from a microcredit specialist

Personal data:

Loan parameters:

Business information::

Contact Information:

Dear customer,

We will be happy to answer all your questions regarding the proposed service in any way convenient for you.

In addition to online ordering, you can visit our branches or call the Contact Center (free of charge in Ukraine):

0 800 501 200 (around the clock)

Product Terms

Loans for your business in 3 business days.

Up to UAH 5 million, quickly, efficiently and without bureaucracy


Conditions

For whom

the business has been operating for 12 months

Loan amount

from 100 thousand to 5 million hryvnias

Term

up to 5 years

Interest rate

14% per annum on the balance

 

Convenient repayment schedule

possibility of continuous use of the overdraft limit for up to 90 days under the current agreement

Credit limit

turnover in another bank is taken into account

Minimum collateral requirements

property valuation is carried out at the expense of the Bank regardless of the loan amount

Fixed interest rate

payment of monthly interest of the amount of the used limit у

 


3 steps to the dream 3 days for a decision

Frequently asked questions

What documents are required to obtain a microcredit?

• Passport and identification number of the Client and Guarantor

• Registration documents for the Client's business

• Title documents for the collateral

Do I need to provide information about my business to get a loan?

The Bank analyzes the client's business documents as of the date of the loan application. The real solvency of the client is taken into account, given all income for the previous period

What can serve as collateral for a loan?

The loan can be secured by real estate (residential or commercial), equipment (industrial, commercial or manufacturing), vehicles (personal or commercial). The owner of the property can be the Client or any third party.

Can the client provide collateral for property purchased on credit?

Can the client pledge the property purchased on credit? In this case, the client can make a down payment in the amount of 20-30% of their own funds or provide additional property.

What happens if the dollar exchange rate changes?

The loan is issued in UAH without reference to the exchange rate

Do you give a loan if I have a bad credit history?

The bank analyzes the client's credit history, but makes decisions individually in each case. Minor delays in the past are not a problem for cooperation

Do you take title documents for safekeeping for the duration of the loan?

For the duration of the loan, the original documents for collateral property remain with the Bank, but can be provided to the client at his request, if necessary.

Can I use the real estate that is pledged as collateral?

With a secured loan, the Bank's clients can use their real estate without any restrictions. The property remains in the client's ownership

Is it possible to repay the loan ahead of schedule?

Early repayment without penalties and commissions

Does the loan rate change during the entire loan term?

Under our agreements, we cannot unilaterally change the interest rate on the loan and other terms of the Loan Agreement

What are the costs for the Client to obtain a loan decision?

The Bank considers the client's request free of charge and provides a decision on the possibility of lending to the client within 3 days