Access to Finance Program for Businesses in Frontline Regions

International humanitarian organization Prosper Global, within the BLOOM program (Building Livelihoods and Opportunities for Optimised Markets), is launching a pilot initiative for preferential financing of micro, small, and medium-sized enterprises in partnership with financial company Activitis. The project is designed to restore and sustain business operations of enterprises in Ukrainian regions most affected by full-scale military actions.

The support mechanism significantly reduces borrowing costs: Prosper Global subsidizes up to 80% of the interest rate, enabling entrepreneurs to access financing at a preferential rate of 6% per annum. Technical maintenance and settlement operations are managed by the eDilo service (FC ACTIVITIS LLC), which transfers funds directly to suppliers of goods or services, eliminating the need for collateral or guarantors.

The program is implemented by an international consortium comprising Prosper Global, Swisscontact, and Right to Protection CF with financial support from the UK government through UK aid. The initiative covers government-controlled areas of Chernihiv, Sumy, Kharkiv, Dnipropetrovsk, Zaporizhzhia, Mykolaiv, Kherson, and Odesa regions.

• Business entities: Sole proprietors and private legal entities (residents of Ukraine, MSME segment).
• Geographic registration & operations: Chernihiv, Sumy, Kharkiv, Dnipropetrovsk, Zaporizhzhia, Mykolaiv, Kherson, and Odesa regions.
• Security criterion: Operating at a distance of at least 50 km from active combat zones (in government-controlled areas of Ukraine).
• Minimum operating duration: At least 12 months for legal entities; at least 24 months for sole proprietors.
• Age limits: 22 to 65 years old (for sole proprietors).
• Legal status: No active bankruptcy, rehabilitation, or liquidation proceedings.

• Preferential interest rate: 6% per annum (Prosper Global subsidizes up to 80% of the base rate).
• Maximum subsidized financing limit: Up to UAH 1,000,000 (cumulative sum per business entity).
• Financing terms: 3, 6, or 9 months (selected individually for each invoice).
• Collateral: Unsecured financing, no guarantor required.
• Disbursement mechanism: 100% direct cashless transfer by the eDilo service to the supplier's bank account.
  • Ineligible costs: Direct transfer of funds to the applicant's own checking or current bank accounts.

• Purchase of production, commercial equipment, and specialized machinery.
• Acquisition of spare parts and components for equipment and vehicle repair and maintenance.
• Purchase of raw materials and semi-finished products to support the production cycle.
• Inventory replenishment (including advance purchase of discounted goods or seasonal inventory expansion).
• Energy efficiency and autonomy measures (purchase of generators, batteries, inverters, heat pumps, insulation works).
• Payment for production, logistics, and other operational business services against invoices.

1. Program launch: Electronic application submission is open on an ongoing basis.
2. Assessment timeframe: Calculation of the subsidized limit is performed automatically after entering identification details.
3. Disbursement date: Transfer of funds to the supplier is executed immediately after signing the agreement and uploading the invoice.
4. February 28, 2027 (23:59): Final deadline for submitting applications for interest-subsidized tranches.
5. Repayment period: Monthly payments are made every 30 days according to the chosen schedule (3, 6, or 9 months). For tranches opened before February 28, 2027, the preferential 6% rate remains active until full repayment (including after this date).

1. Provide identification details: Visit bloom.edilo.com.ua, enter the EDRPOU code (for legal entities) or TIN (for sole proprietors), and a contact phone number.
2. Receive limit approval: Complete automated scoring by Activitis to calculate the available subsidized financing limit.
3. Sign agreement online: Execute the financial services agreement by electronically accepting the eDilo Public Offer.
4. Submit supplier invoice: Upload the supplier's invoice for goods, equipment, or services into the system to initiate direct payment.
5. Service repayment schedule: Repay funds monthly according to the selected schedule (3, 6, or 9 months) at 6% per annum.

• Financial stability and solvency of the enterprise based on official financial statements.
• Results of internal risk scoring by FC ACTIVITIS LLC.
• Business reputation and absence of a negative credit history.
• Formal compliance with program criteria (operating duration, regional registration, security zone).

• EDRPOU code for legal entities or TIN for sole proprietors.
• Financial statements of the business entity for reporting periods.
• Supplier invoice with bank details and payment purpose.

• Automated control of targeted funds usage via direct cashless transfers to suppliers.
• Adherence to the monthly payment schedule discipline.
• Compliance with Prosper Global's Integrity Policy (strict adherence to anti-corruption standards, prevention of fraud and extortion).

• The program is implemented by the BLOOM consortium (Prosper Global, Swisscontact, Right to Protection CF) with financial support from the UK government through UK aid.
• Provision of financial services and factoring is performed by LLC "Financial Company Activitis" (EDRPOU code 38800017, NBU License dated March 08, 2024).
• Financing decisions and limit calculations are made independently by FC ACTIVITIS LLC according to internal risk evaluation procedures. Prosper Global is not a party to the financial agreement and does not participate in credit decisions.
• Interest rate subsidization is provided strictly within the approved BLOOM program budget until fully depleted.
• Legal transaction execution is conducted electronically via accession to the eDilo Public Offer.
• Mandatory requirement includes strict compliance with Prosper Global's Integrity Policy (zero tolerance for corruption, fraud, extortion, and misconduct).