Credit line for business
A credit line from Raiffeisen will provide funds for your business when they are truly needed. It's a safety net for your business, but even better, as it also helps you grow.
Preventing a shortage of working capital is actually not difficult. To address this, Raiffeisen Bank has developed special credit programs: revolving and non-revolving credit lines.
Key benefits
- Revolving Credit Line
- Non-Revolving Credit Line
A revolving credit line is a service that allows you to repeatedly use credit funds within an agreed limit. After each repayment, the limit is automatically restored by the repayment amount.
It functions as a dynamic financial reserve. With a limit of one million UAH, you can use part of the funds for purchases and another part for contract payments. Repaid amounts immediately become available for new expenses, creating a continuous flow of finances in the business.
A non-revolving credit line is a limit that can be used in parts as needed. The main difference is that repaid amounts do not become available for reuse.
It works well for large-scale business tasks. For example, if you plan to upgrade a production line costing two million, you don't need to take the entire amount at once—you can pay for equipment supply, project work, and installation in stages. Meanwhile, interest is charged only on the funds actually used.
It's convenient when all financing stages are known. The bank fixes the terms at the opening of the credit line for the entire duration of the agreement, providing the business with confidence that funds will be available precisely according to schedule. No surprises—just the clear execution of plans.
How to Apply for a Credit Line?
A credit line is available for legal entities and sole proprietors. The main conditions are an officially registered business, an open current account with Raiffeisen Bank, and no outstanding debts.
We offer two ways to apply:
- Visit a Raiffeisen branch for consultation. A manager will help you select the optimal terms and prepare the documents.
- Sole proprietors can save time by applying online. A Qualified Electronic Signature (QES) will be required.
The Bank will then review the application and make a decision. Afterward, the agreement will be signed, and the funds will become available for use.
Loan terms
| Loan period | up to 18 months |
| Interest rate | 15,7% -16,2% |
| Loan currency | UAH |
| Form of repayment | according to the schedule |
| Maximum limit | 60 300 000 UAH |
| Pledge | real estate, vehicles, machinery and equipment, property rights to deposit |
| Commission | 0,5-0,99% |
| Changes to the Credit / Collateral Agreement initiated by the Client | |
| for Contracts up to 1 500 000 UAH. inclusive (or equivalent in another currency) | 500 UAH |
| for Contracts more than 1 500 000 UAH. (or equivalent in another currency) | 1000 UAH |
| Fee for providing credit proof | 150 UAH |
| Commission for early termination of the Credit Agreement | 0 UAH |
| Remote service | Save your time using the Qualified Electronic Signature (CEP) and sign all documents without visiting the Bank Branch. More details on Link |
| Pay your attention | The loan is granted on the terms of the Credit Agreement in the form of a Non-revolving or Renewable Credit Line. The Draft Credit Agreement is provided to the Client upon request. The Bank shall submit to the Credit Register the information, the content and scope of which is stipulated by part 3 of article 671 of the Law on Banks, according to the procedure determined by the National Bank of Ukraine |
Other Offers from Raiffeisen
Overdraft
Raiffeisen's overdraft provides quick funds for businesses. It covers temporary cash gaps and helps make important payments even when there aren't enough funds in the account.
Business Loan Without Collateral
A credit line without collateral for agrarians from Raiffeisen. An available limit of up to 9 million UAH for up to two years will help finance seasonal work or update equipment.
Working Capital Replenishment
Three convenient formats for borrowers: revolving and non-revolving credit lines or a term loan. Available currencies: UAH, USD, or EUR with a loan term of up to one and a half years.
State Support for Agrarians
State funding through government programs supporting agriculture. Raiffeisen Bank is a reliable conduit between the state and agribusiness, simplifying access to preferential loan conditions.
Frequently Asked Questions
The credit line is issued in UAH (Ukrainian Hryvnia).
The loan period is up to 18 months.
The interest rate ranges from 15.7% to 16.2% per annum.
Yes. The credit line helps address typical tasks such as replenishing inventory, covering current expenses, or quickly responding to market opportunities. The amount and terms of the loan are determined individually, taking into account the scale and specifics of the business.