Sheme of the working with investment project and organisation of its financing

1. Express-analysis of the project
(specialist of Kreditprombank provides procedure of evoluation due to application and necessary pocket of documents)

2. Complex examination:

• Studying of the project
• Financial analysis
• Low examination of documents
• Analysis of crediting risks
• Studying of variants of maintance
• Tax optimization
• Definition of necessary financial tools
• Work with fond banks (if necessary)
• Development of the plan of realization of the project

• Reception necessary sanctions and licenses under the project
• Coordination of crediting documentation
• Performance of preliminary conditions

• Signing of the project documentation
• Opening the letter of credit (if necessary)
• Using the money
• Transfer of the project to support .

CONDITIONS OF FINANCING OF INVESTMENT PROJECT
Borrower	An enterprise - resident of Ukraine, having current business at the time of receivng of a loan, experienced in production sphere not less, than 3 years.
Member bank	OJSC "Kreditprombank"
Amount of loan	1,000,000.00 – 8,000,000.00 USD.
Loan period	1 – 3 years.
Type of loan	Credit line.
Aim of loan	Purchase, modernization and reconstruction of basic means. Building the objects in sphere of manufacture and services.
Delivery of trenches/ credits	No later than 12 months from coming into force of the credit contract
Repayment of loan	By equal monthly payments; with opportunity to pass payment no more than 18 months.
Percent Rate	From 14% in USD. By equal monthly payments; with opportunity to pass payment no more than 6 months.
Commissions payment	2,0% of the total sum, that may be useless from the total sum. Monthly payments.
Commissions payment for openning credit line	1,2% of the total sum. Payment - at the moment of the first trenche/crediting.
Collateral	Actives of the borrower, guarantees, other forms of maintenance comprehensible to creditor. Mortgaging cost of maintenance according to an independent expert estimation, in view of system of disscounting, used by the creditor - should cover the sum of potential obligations under the credit contract, including percent in full.
Obligatory conditions	Participation of borrower in volume not less than 20% from a total cost of investment project Insurance of a subject of maintenance Openning current account in Kreditprombank Borrower should not be in arbitration and litigation conditions
Special conditions	Credit is not given for: updating of working capital covering of losses
Other conditions	Term of application procedure - from 1 till 3 months. For carrying out of the preliminary analysis of the project you can give necessary questionnaries, which can be received from Kreditprombank web-site

REQUIREMENTS OF BANK TO INVESTMENT PROJECTS
Positive factors	Negative factors
The investment credit is given on reconstruction or modernization of the part of working production Among participant of the project - ukrainian and foreign compenies As maitenance under the credit are offered high liquid securities and other pledges, thus morgaging cost is comparable to cost of potential obligations under the credit, including percents. Source of financing is confirmed and comprehensible to the project on price and terms The enterprise-operator of the project and other participants are ready to give the bank a share of participation in enterprise for the period of credit action (for example, on conditions of the return of repayments) Client, realising the project has long-term history of mutual relations with bank Client (other participant of the project) are ready to pay from other sourses percent payments for using the credit product on the investment level of the project Client or his basic guarantor have the financial reporting, confirmed by well known auditor firm	Project is situated in the region of risk political situation. Project is dangerous for nature. Client has cases of of non-return (in time return) credits of Kreditprombank or other banks through the last 3 years considering from date of application for granting of the credit Bank need to finance more than 70% of the money volume of investment project Part of the own financial resourses of enterprise less, than 15%. Client is in a condition of arbirtation, ligitation or has a judicial claims from corresponding instances. If the information, given by the enterprise, is not full or correct. Command, realising the project, does not have experience of sucessfull commercial activity or this experience does not provide effective management of the project. Sum of necessary financing - less than 300 thousands of USD