In conditions of constant and urgent power outage, the purchase of generators and other equipment for alternative energy source has become a matter of survival for the enterprise. How and where can funding be obtained for these purposes?
In recent months, due to the energy terror in Russia and the resulting power outage, businesses have been purchasing generators in bulk to ensure uninterrupted operation. According to a survey conducted by the European Cooperation Association, 86% of businesses use generators or other uninterruptible power supplies, and 65% provide alternative sources of Internet access.
In such a situation, entrepreneurs have an increasing demand for generator purchase loans. Focus “Both the generator and Starlink. How to get autonomy with credits,” he says in his new review.
As stated in a comment Focus Viktor Kharkovets, Head of FUIB Credit Business Development Department, Today, representatives of micro and small businesses give loans mainly for the purchase of generators and other equipment to ensure uninterrupted operation during power outages.. At the same time, medium and large enterprises according to the addressees Focusoften buys generators as part of working capital loans.
In the resulting situation Some banks in Ukraine have announced special loan products for the purchase of generators and other energy products for enterprises under the state preferential loan program “Affordable loans 5-7-9%”.. Among them is the state-owned PrivatBank, which offers the following conditions:
- ratio: from 0%;
- advance: 10% of the loan amount;
- amount: from 20 thousand UAH to 300 thousand UAH;
- maturity: up to 1 year;
- purpose: purchase of generators, uninterruptible power supplies, batteries, Starlink.
Under one contract in PrivatBank, entrepreneurs can purchase up to five pieces of equipment. However, even a generator with a power of 50 kW or more can cost more than 300 thousand UAH.
Oschadbank offers loans in the amount of UAH 100,000 to UAH 60 million for the purchase and installation of equipment that ensures uninterrupted operation of the operating energy system under the program of 5-7%-9%.
According to Natalya Butkova-Vitvitskaya, member of Oschadbank’s board of directors responsible for micro, small and medium-sized enterprises, under this program, Oschadbank provides loans at an annual rate of 0%, the amount of which is determined by the UIRD. 3M directory [Индекс ставок по депозитам физлиц] and customer segment. The loan can be provided by individuals or legal entities operating in the field of trade, production or service, especially in areas with a high risk of damage to the energy infrastructure.
According to Butkova-Vitvitskaya, the most frequently purchased equipment under this program is:
- generators;
- additional batteries;
- accessories to create an individual energy ecosystem.
Other banks, generator etc. Although they have not announced specific programs for the purchase of such equipment, they confirm their readiness to provide loans under the program “Affordable loans 5-7-9%”.
According to Viktor Kharkovets, Head of FUIB Credit Business Development Department, Any business that meets the terms of the “Affordable loans 5-7%-9%” program can get a 0% loan for the purchase of necessary equipment to mitigate the risks of power outages..
Natalia Zgoba, Head of the Product and Service Development Department for Legal Entities and FOP Kredobank, explains that such a loan will in no way differ from a regular investment loan issued under the “Affordable loans 5-7-9″ state program. %”. Business partner Focus makes it clear now There is an anti-war component that opens up a 0% probability of SME customers under the “5-7-9%” program to receive loans until martial law ends.
A business that does not meet the “5-7-9%” concessional loan terms can use other bank programs to finance the generator purchase; Focus “Both a generator and Starlink. How to get autonomy with credits,” he says in his review.
Previously Focus There was talk about the dangers of generators and whether businesses should pay environmental taxes for their use.
Source: Focus
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