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Lending

Project Stages

The applicant submits a project application and a loan application.

JSC “UDF” assesses the potential borrower’s creditworthiness.

The State Agency on Energy Efficiency and Energy Saving of Ukraine (SAEE) evaluates the projects for compliance with established criteria.

The borrower and SAEE sign a Voluntary Agreement.

The borrower receives a preferential loan and implements the project.

Monitoring of the achievement of declared indicators on energy consumption reduction and decarbonization is conducted.

Loan Terms

  • Loan Amount

    From UAH 120,000 to UAH 90,000,000

  • Loan Term

    From 1 to 10 years

  • Interest Rate

    Preferential rate of up to 9% per annum inclusive, with a 2% reduction if the project uses equipment manufactured by a domestic producer

  • Commission Fee

    A one-time commission fee of up to 2% of the loan amount under the agreement

  • Principal Repayment

    According to the classical repayment scheme (in equal installments, with a possible grace period of up to 12 months)

Applicant Requirements:

the applicant must be a business entity registered in accordance with the law and operating for at least one year, namely:

    Individual Entrepreneur
    Legal Entity (private ownership) whose ultimate beneficial owners (controllers) are natural persons – residents of Ukraine (including energy service companies (ESCOs))
    State or Municipal Enterprise
    Local Self-Government Authority
    Association of Co-owners of Multi-apartment Buildings (ACMB)
    Housing Construction Cooperative
    Service Cooperative

The list of documents provided below is not exhaustive.
The Company reserves the right to request and obtain any additional documentation or information from the applicant that may be necessary for reviewing the application and making a decision regarding the provision of state support.
Documents for consideration of the application for state support may be submitted to the Company in paper and/or electronic form (as an electronic document or scanned electronic copy with a qualified electronic signature of the authorized person).
An exception applies only when the original document exists solely in paper form — in such a case, the original must be submitted in paper form.
An electronic copy of a document shall be created by scanning the paper document and provided to the Company in .pdf format.
All documents must be valid at the time of submission, contain all necessary information, and have an appropriate appearance (intact, undamaged, and unsigned, etc.).
The information in the documents must be clear, accessible, and legible.

Document Forms for Receiving State Support (as of October 6, 2025)