KRBB TOV finances companies and sole proprietors (FOPs). Before you sign anything, you see the full schedule — how much of each payment is interest, how much is principal, and what the whole thing costs in hryvnias.
Small enough to remember, specific enough to hold us to.
We start with what the money is for and what repays it, then size the loan to that — not the other way round.
A small monthly payment can hide a large total. We put the total in writing next to the schedule.
If a bank or a state-supported programme can fund you for less, we'll say so before we quote.
No "application", "insurance" or "processing" fees before a signed contract. Ever.
Non-bank credit usually costs more. Work left to right; stop as soon as one works.
With stable turnover and a clean history, a bank loan is usually the cheapest option available.
→Programmes such as "Affordable Loans 5-7-9%", where available, are offered through participating banks at subsidised rates.
→Longer supplier terms or earlier customer payments can close a cash gap without any interest at all.
→When speed, size or a non-standard file rules out the first three — with every term written down.
Move the sliders. The chart shows each monthly payment split into interest and principal — the same table you'd see from us before signing.
Illustration only: equal monthly payments on a reducing balance, no fees. Not an offer. Your actual rate, fees and schedule depend on the facility and are set out in the written contract.
Each facility has a purpose and a source of repayment. We don't offer open-ended credit lines or consumer loans.
A fixed sum for a fixed term to bridge the gap between paying suppliers and getting paid.
Machinery, vehicles and tools that start earning as soon as they're in use.
Inventory or a confirmed order bigger than your reserves, repaid when the customer pays.
Funding against invoices to reliable customers, when long payment terms starve your cash flow.
Getting premises, power or equipment back into working order so trading can resume.
Replacing costlier debt — but only where the schedule shows the total going down.
A website proves nothing. Registers and contracts do.
Four steps. You can stop at any of them, at no cost.
What the money is for, what repays it, how soon you need it.
Registration details and recent financials or turnover, reviewed by a person.
Contract with rate, fees, schedule and total. Take it away and read it.
Funds to your business account, and one contact for the life of the loan.
Short answers. Ask us for the long ones.
No. We lend to companies and FOPs for business purposes only — no consumer loans, mortgages or car loans for personal use.
No. We don't take deposits or open accounts. Non-bank credit usually costs more than a bank loan, which is why we suggest checking your bank and state-supported programmes first.
It depends on amount, term, purpose and security, so we don't publish a rate. You'll get the rate, every fee, the full schedule and the total in the written contract before you decide.
Ask before you sign and get the answer written into the contract — including whether early repayment reduces the interest you pay.
Tell us as soon as you see a problem coming. A revised schedule agreed in advance is always easier than dealing with missed payments afterwards.
Come to us directly. If anyone asks you to pay them to "arrange" a loan in our name, refuse and contact us.
Asking costs nothing. You'll get a schedule, not a sales pitch.