Time to act — switch to energy independence today!
Favourable loans for solar stations, batteries and other equipment with state compensation or cashback of up to 25% make autonomous power supply accessible to everyone
With TOV “Total-Energo” you are not alone: we will help you choose and install equipment, apply for a loan, collect documents and submit reports on time. Full support — from the first consultation to the last payment.
What can you get a loan for?
Within the framework of various programs (state and bank), you can get a loan for the following equipment:
Solar power plants
Panels, inverters, controllers, installation
Hybrid systems and batteries
Sun + batteries, energy storage
Backup power
Generators, inverter systems
For enterprises
Energy-efficient equipment
Comparative table of banking programsframe (2026 year)
| Bank | Loan amount | Rate | Term | Down payment | Commission | Cashback / Compensation | For whom |
|---|---|---|---|---|---|---|---|
| Oschadbank | 100,000 – 480,000 UAH | 0% (compensated by the state) | 1 – 10 years | None | 1.5% one-time | Compensation % | FOP, natural person. individuals |
| Ukrgasbank | 20,000 – 500,000 UAH | 19.5–21.5% | 1 – 5 years | 20% | 1.5% one-time | Cashback up to 25% | FOP, individuals |
| OTP Bank | 100,000 – 1,000,000 UAH | 19.99–24.44% | Up to 7 years | Individual | 0.99% one-time | None | FOL, individuals |
| PrivatBank | 100,000 – 480,000 UAH | 0% (compensated by the state) | 1 – 5 years | From 10% | 1.5% one-time | Compensation % | Individual entrepreneurs, individuals |
| UkrSibbank | 3,000 – 500,000 UAH | 43% – 97% | 1 – 5 years | None | 1.99–3.5% monthly | Reduction upon confirmation of the goal | Individual entrepreneurs, individuals individuals |
| Raiffeisen Bank | up to 72.7 million UAH | from 13.5% | from 1 year | Individually | up to 0.5% | Cashback up to 10% (Risk Sharing) | Legal entities, individual entrepreneurs |
Main lending conditions in 2026
Ukrainian banks offer various lending programs for the purchase energy-efficient equipment — both under state programs with compensation and under commercial terms with cashback. Here are the generalized parameters:
💵 Loan amount
• Minimum amount: from 3,000 UAH (UkrSibbank)
• Average range for individuals: 100,000 - 500,000 UAH
• Maximum: up to 1,000,000 UAH (OTP) or 72.7 million UAH for businesses (Raiffeisen)
⏳ Loan term
• For individuals: from 12 months to 10 years
• For legal entities: from 12 months, certain programs — without restrictions
📊 Interest rates
• 0% — within the framework of state programs (Oschadbank, PrivatBank)
• 19.5% – 24.4% — commercial loans (Ukrgasbank, OTP Bank)
• Individual rates — for business: from 13.5% per annum
🏦 Initial payment
• Not available in state programs (Oschadbank)
• From 10% to 20% in commercial loans (PrivatBank, Ukrgasbank)
📉 One-time and monthly fees
• One-time fee: usually from 0.5% to 1.5% of the loan amount
• Monthly commission (UkrSibbank): from 1.99% to 3.5%, but reduced upon submission of supporting documents
Additional benefits of lending
Compensation of interest under the state program “My energy independence” (Oschadbank, PrivatBank)
Cashback: up to 25% of the cost of equipment (Ukrgasbank), up to 10% — for business (Raiffeisen Bank, Risk Sharing)
No collateral — in most loans up to 500 thousand UAH
Life insurance (Oschadbank) — one-time, 900-1200 UAH
Documents for submitting an application
- Passport and TIN
- Income certificate / extract from the Act
- Documents for property
- Estimate or contract with the supplier
- Constitutional documents (for business)
Who can use loans?
👤 Individuals
• Officially employed or self-employed
• Have a stable income for the last 6 months
• Owners of private housing up to 300 m2 (for state programs)
• IDPs, people with disabilities, veterans – are entitled to additional cashback
🏢 Legal entities
• New or existing businesses: sole proprietorships, LLCs, farms, etc.
• No restrictions on real estate area
• No special requirements for the type of activity
• There is preferential lending and return of part of the funds (Risk Sharing)
• Loan programs without collateral and mortgage loans
Stages of loan processing
Choosing a bank and program
Choose between a state program (compensation %) or cashback programs from banks.
Collecting documents
Prepare the entire package of documents — personal, financial, property, as well as the contract and estimate for equipment.
Submitting an application to the bank
Fill out the application. In some cases — also a separate one for participation in the program (for example, «My Energy Independence»).
Receiving a bank decision
The decision is made within 5 business days (on average).
Signing the contract
The funds are immediately transferred to the supplier's or borrower's account (with subsequent payment to the seller).
Monitoring and reporting
Periodic provision of photos of equipment with geolocation, documents on commissioning (every 6 months or one-time).
💡 Tips from LLC «Total-Energo»
• State program «My energy independence» (Oschadbank, PrivatBank) – the most profitable option, but with restrictions (house area, family income, monitoring).
• Ukrgasbank – the most flexible, with the ability to get up to 25% of the cost of the equipment back, but at a higher rate.
• Raiffeisen – ideal for business, with a large limit and cashback.
• UkrSibbank – available credit, but you need to carefully monitor the real rates.
Need advice on credit?
Contact us and we willwe will be able to choose the best equipment and prepare documents for the bank.
📞 Contact us