GERAFAK-Банк Пивденный
«GERAFAK» LLC terms of cooperation
Loan type

renewable credit line

Loan duration

limit — up to 12 months

Loan currency


Loan amount

without restrictions

We make decisions on loans

within 30 working days from the moment all documents have been submitted

«GERAFAK» LLC has been present Ukraine since 1992 in imports of chemical products from renowned manufacturers, including «Kaustik» (Volgograd), «Ziraks» LLC (Volgograd), «Shebekinski kormy» (Shebekino); «Schekinoazot» (Tula region), TM «Bashim» (Bashkortostan); PCC «Rokita» SA (Poland).

The company is guided by modern quality standards for chemical products and a high level of business culture, and is always open for dialogue and development.

Official website

«GERAFAK» LLC terms of cooperation:

The loan is granted to the borrower by way of transfer of funds from the credit account to the current account of the borrower and then to the current account of «GERAFAK» LLC.

Borrower requirements:

  • Has been in continuous operation for more than 12 months.
  • Generating stable profits allowing the borrower to pay monthly instalments on the loan and to pay interest without negative consequences for the business; financial class of the borrower — at least 5.
  • Monthly payment on the loan plus interest — no more than 30% of the average proceeds from business activity (taking into account all previously assumed loan/lease commitments (including those to other banks).
  • A positive credit history (if any).
  • At least 70% of all agricultural land plots owned/leased by the borrower should be under his control for a term not less than the loan duration plus 1 year
  • Preference is given to borrowers/guarantors with their own agricultural machinery (at least 3 self-propelled vehicles).
  • Guarantee by the business.

Guarantor requirements:

  • A good business reputation.
  • Absence of negative information on the guarantor in the Bureau of credit histories.

Loan commissions:

  • Loan issuance fee — from 0.5 % of the limit granted.
  • Commission for execution of the loan documents — UAH 1,000.

Cost of the item to be bought:

Property valuation is conducted by the department of valuation and pledge transactions.


а) Immovable property (located in Ukraine only):


— housing fund (apartments, houses, cottages, etc.)

80 %

— non-residential premises (commercial, office, warehouse, cultural, entertainment real estate)

75 %

— land plots

75 %

b) Movable property:

— cars

80 %

— cargo transport

65 %

— passenger transport

65 %

— self-propelled agricultural machinery

65 %

— other transport (motor transport, special purpose transport, etc.)

65 %

c) Fixed assets (movable property):

— equipment/tools, etc.

65 %

d) Current assets:

— goods in turnover

60 %

— work in progress (raw materials, supplies, semi-finished products)

60 %

— finished goods

40 %

e) Property rights to funds placed on a deposit account with the bank.

The amount of the deposit should cover the amount of the principal plus the interest payable for 3 months.


One of the mandatory conditions for granting the loan is the insurance (annual) of the collateral by an accredited insurance company against inherent risks during the whole life-time of the loan agreement.

Loan/Principal repayment:

Repayment of the tranche — at least 3 equal instalments during the last months of the loan agreement.

Repayment of loan interest — on a monthly basis.

Conditions of financing:

Interest rate — from 14.5% per year in UAH.