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Loans to Small and Medium Enterprises

Loans to Small and Medium Business are traditionally the priority orientation for Piraeus Bank Group. Almost half of Group’s total loan portfolio falls on loans to this segment (for legal entities with annual sales up to UAH 350 mln).

Loans for business development from Piraeus Bank in Ukraine with attractive interest rates and preferential requirements to collateral are the unique technologies of the most effective needs satisfaction for the representatives of small and medium business.

Piraeus Bank proposes the following loans to Small and Medium Business:

Financial support for Agribusiness:

  • Loan for financing of working capital of agricultural enterprises for SME clients
  • Loan for purchase of agricultural machinery and equipment for SME clients

Advantages of choosing of Piraeus Bank:

  • individual approach to every customer;
  • seasonal loan repayment schedule;
  • General agreements signing for a 3 year period (cost minimization of the pledge registration );
  • without penalties for loans prepayment;
  • without costs for property evaluation which will be hold for Bank’s account;
  • financing of the previous investment costs in agribusiness.

Detailed terms

Revolving Credit Line 

  • Convenient form of financing – a revolving credit line
  • Tenor of credit line – up to 12 monthes
  • As a collateral we accept real estate and movable property
  • Credit Line may be received secured with the third party/company property
  • You can get credit line in the amount up to 80% of collateral value
  • We take preliminary decision about financing during only 2 days
Credit Line terms
Minimum tenor of existing business
24 months from the date of state registration
Credit Line Currency
Hryvna, US dollar, Euro
Credit Line Tenor
12 monthes 
Interest rate
fixed, floating

Credit Line: Detailed terms

Overdraft ''Unsecured''

  • No collateral (only the owner’s guarantee);
  • Decision-making time by the Bank (up to 6 days) and speed of receiving a loan (Up to 2.5 working days);
  • Automatic increase of overdraft limit (the bigger turnover – the bigger limit);
  • Loan cost reduction via differentiated rate;
  • There is an opportunity for new customers to get the limit from the 1st day of cooperation with the Bank;
Loan terms
Minimum term of business existence
24 months from the date of state registration
Overdraft currency
Overdraft Term
up to 12 months, with quarterly revision of the limit
Overdraft amount
Up to 30% of monthly income to the current account in Piraeus Bank, or up to 15% of monthly income on current accounts in other banks
Continuous period of the loan
Up to 90 days (in many banks zeroing once every 30 days)

Overdraft ''Unsecured'': Detailed terms

Cash Collateral Loan  

  • You can get convenient form of financing - a revolving credit line or term loan
  • You can quickly get up to 97% of deposit amount
  • Minimal document package for preliminary decision making  
  • The deposit of private individual can be accepted as pledge in case of the loan of legal entity or private entrepreneur
Cash Collateral Loan  Terms
Tenor of the loan
up to 12 months
Currency of deposit
Currency of the loan
Amount of the loan
up to 97% of Deposit amount
Margin of the bank
Up-front fee
1% of the loan amount

  Loan interest rate:  

Loan interest rate = deposit interest rate + margin

Loan: Detailed terms 

Factoring financing

  • Financing of supplier under the next term: assignment of rights of a monetary claim from the Debtor under the contract to the Bank
  • Factoring with recourse on the Supplier
  • Purpose of financing – WCF ( working capital financing)
  • He is accounted as revenue on the balance shut

Terms of financing: 
Minimum term of business existence 24 months from the date of State registration
Currency of financing hryvna
Term of the limit 365 calendar days from the date of factoring agreement
Amount of limit It is calculated as requirement in financing of suppliers for every debtor (which is transferred on factoring)

Detailed terms


Please get acquainted with the Tariffs for credit operations (pdf in Ukrainian, 378 Kb)

Information on the name and location of credit bureaus to which the Bank transmits information for the formation of credit histories:

LLC «Ukrainian Bureau of Credit Histories» 1-D Hrushevskoho st., Kyiv, Ukraine, 01001

LLC «Bureau of Credit Histories «UKRAINIAN CREDIT BUREAU» 13 Chokolivskyy bulvar, Kyiv, Ukraine, 03186

Private Joint Stock Company «International Bureau of Credit Histories» 65 Peremogi av., office 306, Kyiv, Ukraine, 03062

Private joint-stock company «First Ukrainian Bureau of Credit Histories» 11 Ievhena Sverstiuka st. Kyiv, Ukraine, 02002

You can order a call and our specialist will contact you at a convenient time for you
0 800 30 888 0
(calls from fixed line phones within Ukraine are free).
Did you know...
there are loyal tariffs
for small and medium
Our achievements
Piraeus Bank became the winner in "The Most Innovative Bank" category according to "InvestGazeta" business edition, entering TOP-3
© 2014 Piraeus Bank
Bank license ¹91 as of 17.10.2011
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