Trial period of the product has expired. You can purchase the full version of the product on the site The German - Ukrainian Fund loan program for SMEs


The German - Ukrainian Fund loan program for SMEs

The German - Ukrainian Fund (GUF) is a financial institution which started operations in 1996 under the German Government’s program «Transform» - program of support the reform process in Ukraine.

The loan product is implemented under the GUF Program of Supporting the Financing of Investment Projects of SMEs with the financial support of the German Government, which through the German Development Bank KfW provides a loan and grant to Ukraine for the implementation of the SMEs Support Project.

The credit product is also being implemented with the financial support of the European Union provided to the GUF through KfW under the «Eastern Partnership SME Finance Facility - Phase II» and «EU4Business» projects to offset exchange rate losses on SME loans under the Program.

The purpose of the program

Support of financing of investment projects for SMEs that produce import-substituting products and plan to expand their sales in the national and world markets.


small businesses (up to 50 employees, revenue less than € 5 million per year)

medium-sized enterprises (up to 250 employees, revenue less than € 10 million per year)

additional conditions:

• a positive credit history

• the term of the borrower's activity is at least 3 years

• profitability for the last year

Credit terms

• • up to EUR 250,000 equivalent

• • term - up to 6 years / investment goals

• • term - up to 2 years / replenishment of working capital

• • rate - UIRD3m * x 1.1

• • commission - up to 1.0%

• • own participation - 20% / investment goals

*UIRD3m as of 01.10.2019 is 15.5%

Index UIRD3m information: or

Target use

· Purchase or upgrading of fixed assets (machinery, equipment, etc.), required to expand existing or create new production facilities, including transportation, installation, commissioning.

· Purchase, construction or renovation of premises required to expand an existing or to create new production facilities.

· Replenishing the working capital needed to expand the existing or create new production.


· real estate

· equipment

· vehicles

· the guarantee of the owner


· Agriculture, forestry and fisheries and related services

· Manufacturing

· Temporary accommodation and catering

· Supply of electricity, gas, steam and air conditioning

The scheme of repayments

· Annuity, flexible schedule possible

Additional costs

· Notarization

· Collateral insurance

Schedule an appointment with your SME manager by phone:

044 365 00 01 and get more information about the possibility of crediting.