The state program «Affordable Loans 5-7-9%» opens up the opportunity for Ukrainian enterprises to purchase a concrete batching plant, cement silo, or other production equipment on preferential loan terms. For construction companies, concrete manufacturers, and enterprises planning production expansion, this is a chance to invest in modern equipment without significant one-time financial burden.
Based on our experience, more and more clients consider purchasing concrete batching plants specifically through state business support programs, as this allows faster scaling of production and preservation of working capital.
What is the «Affordable Loans 5-7-9%» program
The «Affordable Loans 5-7-9%» program is a state financial support mechanism for small and medium-sized businesses, which provides the opportunity to obtain a loan for enterprise development on preferential terms.
For manufacturing companies, such a program can become a financing tool for:
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purchase of a concrete batching plant;
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purchase of a mobile or stationary concrete batching plant;
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procurement of cement silos;
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production modernization;
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purchase of additional technological equipment.
We have noticed a trend: enterprises increasingly use loans not to cover current expenses, but specifically for investments in production capacities.
What equipment can be purchased under the 5-7-9% program
One of the advantages of the program is the possibility to finance investment projects.
In practice, this means that an enterprise can consider purchasing:
Concrete batching plants
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mobile concrete batching plants;
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stationary skip plants;
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conveyor concrete batching plants;
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container CBPs.
Additional equipment
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cement silos;
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belt conveyors;
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screw conveyors;
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automation systems;
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dosing units for aggregate materials;
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water and chemical admixture dosing systems.
Based on our experience, many enterprises finance not only the main concrete batching plant but also fully equip the production complex.
Who is the state program suitable for
The program is especially relevant for companies that:
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Plan to open their own concrete production.
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Want to expand an existing concrete batching plant.
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Are transitioning from purchasing ready-mixed concrete to own production.
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Carry out large infrastructure or road construction projects.
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Plan to increase enterprise productivity.
Technical audits show: own concrete production often allows significantly improving product quality control and optimizing production costs.
Why it is worth buying a concrete batching plant under the 5-7-9% program
For most companies, the main issue is not the equipment cost itself, but the budget load at the moment of purchase.
That is why financing allows to:
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not withdraw all working capital;
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start production faster;
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invest in more modern equipment;
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scale the business without long-term accumulation of own capital.
We have noticed a trend: enterprises planning development several years ahead increasingly choose investment financing instead of full payment with own funds.
What advantages does the business gain
Faster production launch
There is no need to postpone project implementation due to the necessity to accumulate the full amount.
Opportunity to purchase more productive equipment
Instead of minimal configuration, the company can invest in:
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automation;
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additional silos;
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modern dosing systems;
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more productive mixer.
Based on our experience, properly selected configuration often brings greater economic effect than saving at the initial stage.
Preservation of enterprise liquidity
Working capital remains available for:
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cement procurement;
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purchase of aggregate materials;
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logistics;
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inventory formation;
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sales development.
How to prepare for financing
Successful loan acquisition largely depends on project preparation.
Before applying to the bank, it is worth:
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Determining the required productivity of the concrete batching plant.
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Select the equipment configuration.
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Obtain a commercial offer from the manufacturer.
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Prepare a financial plan for project implementation.
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Calculate the projected production volumes.
Based on our experience, a thoroughly prepared investment project significantly simplifies communication with the bank.
What documents can the equipment manufacturer provide
During financing arrangement, the manufacturer can usually prepare a package of documents necessary for project review.
Depending on the specific agreement, these may include:
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commercial offer;
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technical specification;
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equipment specification;
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drawings;
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information on performance;
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delivery terms;
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production schedule.
We have noticed a trend: banks positively evaluate projects where the technical part is well developed even before submitting the application.
How to correctly choose a concrete batching plant for financing
Before applying for a loan, it is important to evaluate not only the equipment price.
Main selection criteria:
| Criterion | Why it is important |
|---|---|
| Productivity | Must correspond to the actual workload |
| Mixer type | Determines concrete quality |
| Automation | Reduces human factor influence |
| Service | Reduces downtime risk |
| Upgrade capability | Allows scaling production |
Technical audit shows: investment in properly selected equipment configuration often pays off faster than choosing the cheapest solution.
Why it is worth working directly with the manufacturer
When implementing an investment project, it is important to receive not only equipment.
Based on our experience, the greatest value for clients includes:
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technical consultations;
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assistance in selecting configuration;
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design;
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installation;
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commissioning;
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service maintenance.
A comprehensive approach allows minimizing risks even before production launch.
Typical mistakes during investment project implementation
We regularly encounter situations where enterprises focus only on equipment cost.
Most common mistakes:
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choosing insufficient productivity;
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lack of reserve for future expansion;
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saving on automation;
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incorrect site planning;
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underestimating material logistics.
Technical audit shows: mistakes at the design stage can cost more than additional investments in the correct configuration.
FAQ — common questions about the "Affordable Loans 5-7-9%" program
Is it possible to purchase a concrete batching plant under the "5-7-9%" program?
Yes, if the project meets the current conditions of the state program and the requirements of the partner bank. The final financing decision is made by the bank after reviewing the application.
Is it possible to finance not only the concrete batching plant but also additional equipment?
In many cases, the investment project may include not only the CBP but also silos, automation systems, conveyors, and other technological equipment. The final list is determined by the financing conditions.
Does the manufacturer assist with document preparation?
Yes. Based on our experience, manufacturers can provide technical documentation, specifications, and commercial offers necessary for preparing the investment project.
Is it possible to purchase Ukrainian-made equipment under this program?
Yes, if it meets the financing conditions and bank requirements. Additionally, Ukrainian equipment often ensures faster production, delivery, and service maintenance times.
Is it worth taking a loan instead of purchasing with own funds?
It depends on the enterprise's financial strategy. For many companies, using preferential financing allows preserving working capital while simultaneously investing in production development.
Conclusion
The state program "Affordable Loans 5-7-9%" can become an effective tool for developing concrete production and modernizing the enterprise. Based on our experience, companies that prepare the technical project in advance, correctly select equipment configuration, and cooperate directly with the manufacturer implement investment plans faster and create a solid foundation for further business growth. At the same time, before submitting an application, it is worth familiarizing yourself with the current program conditions and bank requirements, as they may change.
