0.01% annual interest rate on energy-efficient loans for businesses

Up to 400,000 UAH credit limit for financing energy efficiency of ukrainian businesses

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Unsecured "Development" Loan for energy efficiency for business

Kyiv, Sumy, Kharkiv, Dnipro, Odesa, Chernihiv, Zaporizhzhia, Mykolaiv and their regions
For new and existing business clients
For small and micro businesses
Loan amount – from 50,000 to 400,000 UAH
Term – from 24 to 36 months
Interest rate for the first 12 months – 0.01%
From month 13, the current interest rate valid at the time of the loan agreement will apply
Without surety and collateral
Repayment schedule:
- Annuity
- Individual repayment plan for agricultural clients
Commission for fund disbursement – 0.99% one-time fee

Number of loans is limited

Raiffeisen's Lending Programs

Lending under the ESG Program

Unsecured Loan "Development"
Secured Loan "Investment Credit"

Possible provision of loans covered by Risk Sharing programs: EBRD, EIB, DFC/USAID

Unsecured loans for solar panels for businesses

For new and existing business clients
Legal entities and sole proprietors
Loan amount – up to 9.5 million UAH
Term – from 24 months
Interest rate – 17-19% per annum
No additional fees

Possible provision of loans covered by Risk Sharing programs: EBRD, EIB, DFC/USAID

Secured loans for solar panels for businesses

For new and existing business clients
Legal entities and sole proprietors
Loan amount – up to 72.7 million UAH
Term – up to 36 months
Interest rate – Individual solutions
No additional fees
Covering up to 80% of equipment and installation costs
Under Risk Sharing programs, cashback of up to 10% of the loan amount is possible

Lending under the Program with YASNO

Unsecured Investment Loan "Development"
Secured Investment Loan

Possible provision of loans covered by Risk Sharing programs: EBRD, EIB, DFC/USAID

Unsecured Loans for Solar Panels for Businesses

For new and existing business clients
Legal entities and sole proprietors
Loan amount: up to 9.5 million UAH
Term: from 24 months
Interest rate: from 15.5% per annum
No additional fees
No personal contribution required

Possible provision of loans covered by Risk Sharing programs: EBRD, EIB, DFC/USAID

Secured Loans for Solar Panels for Businesses

For new and existing business clients
Legal entities and sole proprietors
Loan amount: up to 72.7 million UAH
Term: from 12 months
Interest rate: from 13.5% per annum
No additional fees
Covering up to 80% of equipment and installation costs
Under Risk Sharing programs, cashback of up to 10% of the loan amount is possible

Basic Lending Terms

Product Parameters
Loan Purpose	Purchase/construction and installation of: Solar power plants Generation/cogeneration units Generators Biogas stations Wind power plants Bioenergy, gas turbine, gas piston power plants Electrical energy storage systems Biomass boilers Technologies to improve enterprise energy efficiency Other energy independence and energy efficiency technologies.
Borrowers	Clients from micro, small, medium, and large businesses (legal entities and sole proprietors)
Type of Loan	Investment loan or non-revolving credit line
Loan Amount	Up to 50 million UAH
Borrower's Own Contribution to the Project	From 30%
Financing Term	Up to 5 years
Loan Currency	UAH
Maximum Interest Rate	For loans in UAH: 13.5% per annum (or UIRD 3M+0.5%) for the first year of financing, UIRD 12M + 3% starting from the second year of financing. The UIRD index (in hryvnia) is the Ukrainian index of deposit rates for individuals, calculated based on nominal rates in the personal deposit market announced by Ukrainian banks for terms, including three/twelve months.
Fees	Up to 0.5% of the loan amount
Collateral	Purchased equipment (with a deferred condition for pledging) or alternative collateral Guarantee from the owner or other group companies
Grace Period for Principal Repayment	Up to 6 months or until commissioning
Repayment Schedule	Principal: monthly in equal installments/annuity/adapted (seasonal, individual) schedule after the grace period Interest: monthly
Borrower Criteria
Territories where the Borrower is registered and conducts business	Territories excluding high-risk areas, including those without a defined end date for temporary occupation and/or combat activities (according to the Ministry of Reintegration order No. 309 dated 22.12.2022) Territories permitted under the Bank's current Risk Policy
Additional Criteria	Existing business (from 12 months) Positive client verification (KYC) No negative credit history No defaults with banks at the time of lending Compliance with the Bank's Environmental and Social Policy (ESG)

What Program is About:

This loan program is developed under the Memorandum on Banking Lending for Projects to Restore Ukraine's Energy Infrastructure, which Raiffeisen Bank signed alongside 20 other Ukrainian banks.

In addition to the terms outlined in the Memorandum, Raiffeisen Bank also offers clients individual financing terms: with loan amounts up to 25 million euros in various currencies, terms of up to 5-7 years, and personal contributions starting from 0% of the project cost.

It is also possible to combine with the investment incentives program from the European Bank for Reconstruction and Development and with financial support from the European Union, offering the possibility of partial cost reimbursement (cashback) for the project financed through the Bank's loan funds.