Credit
financing

Successful development requires timely support. The FINBANK loan programme reflects an adequate vision of the Ukrainian business needs.

Loan programmes

Credit financing of small and medium-sized businesses is an important component of the FINBANK financial activities. We developed a few loan programmes for legal entities and private entrepreneurs, each of them having mutually rewarding terms and contributing to business prosperity.
  • Term loan - is granted for a certain term under condition of the use for a special purpose, against a liquid security.
  • Credit line -  provides loan proceeds as and when needed and within the established limits, against liquid securities. For development and successful operation of your business, we offer credit financing in national and foreign currencies.
  • Overdraft -  is a short-term credit granted to a client on top of his/her current account balance within the limits of a previously agreed sum. Overdraft allows paying your expenses even when you do not have a sufficient sum in your account.

Overdraft

Currency

hryvnia

Term

up to 12 months

% rate

to be determined based on the loan term, type of collateral, loan amount covering by the security

Limit

to be determined based on the monthly average billing on the current account (receipts to accounts in other banks can be taken into consideration) and type of collateral  

Collateral   

shifting stock of merchandise, other movable effects; real property; proprietary rights to cash placed on a deposit account; founders (owners) guarantees 

Repayment system

monthly interests, periodicity of obligatory repayment depends on the type of collateral (monthly, quarterly or yearly)

Disbursement form

to the client’s settlement bank account

Non-revolving line of credit, term loan

Currency

hryvnia, USD, EUR

Term   

up to 36 months

% rate  

to be determined based on the loan term, type of collateral, loan amount covering by the security

Limit

to be determined based on the financial status of the borrower, size and type of collateral 

Collateral  

shifting stock of merchandise, other movable effects; real property; proprietary rights to cash placed on a deposit account; founders (owners) guarantees

Repayment system

monthly interests, repayment according to a schedule

Disbursement form

to the client’s settlement bank account

Deposit Secured Loan

Currency

hryvnia, USD, EUR

Term

3 days less than the deposit term

% rate

difference between the rate on credit and rate on deposit is to be agreed upon              

Limit

up to 95% of the deposit amount (provided that the loan currency is the same as the deposit currency)

Collateral   

money in the natural person’s or legal entity’s deposit account 

Repayment system

monthly interests, repayment of the total loan amount at the end of the term 

Disbursement form

to the client’s settlement bank account

Revolving line of credit

Currency

hryvnia

Term

up to 12 months

% rate

to be determined based on the loan term, type of collateral, loan amount covering by the security 

Limit

to be determined based on the financial status of the borrower, size and type of collateral

Collateral   

shifting stock of merchandise, other movable effects; real property; proprietary rights to cash placed on a deposit account; founders (owners) guarantees

Repayment system

monthly interests

Disbursement form

to the client’s settlement bank account 

Credit line on acquisition of the fixed assets (investment credit)

Currency

hryvnia

Term

up to 36 months (in a few cases up to 60 months)

% rate

to be determined based on the loan term, type of collateral, loan amount covering by the security

Limit

up to 70% of the cost of the credit-financed project, to be determined based on the financial status of the borrower, size and type of collateral

Collateral   

shifting stock of merchandise, other movable effects; real property; proprietary rights to cash placed on a deposit account; movable effects can be used as additional collateral; founders (owners) guarantees  

Repayment system

monthly interests, repayment according to a schedule

Disbursement form

to the client’s settlement bank account