HROUS FINANS TOV extends credit to companies and sole proprietors (FOPs) from its office on the Kremenchuk highway in Oleksandriia. Facilities are issued and repaid in hryvnias, under a written credit agreement stating the rate, all fees, the schedule and the total amount repayable.
A regional non-bank lender on the Kremenchuk road.
HROUS FINANS TOV is a Ukrainian limited liability company engaged in nondepository credit intermediation — extending credit to businesses from its own funds, outside the deposit-taking banking system.
The company works from Oleksandriia, an industrial town between the Dnipro and Kirovohrad, and serves companies and sole proprietors across central Ukraine: trade, haulage, agriculture, repair shops and small manufacturers whose cash cycles the large banks often decline to carry.
The company does not serve private individuals, does not take deposits, does not operate accounts and offers no investment products. Consumer lending in Ukraine requires a licence of the National Bank of Ukraine; the company holds no such licence, claims none, and therefore declines every consumer application.
Each facility has a stated purpose and an identified source of repayment.
No facility is advanced except under a signed credit agreement stating the rate, all fees, the schedule and the total amount repayable.
Offers are presented by the total repayable, not the instalment; compare competing offers on that figure.
The cost and effect of early repayment are stated in the agreement before signature.
No application, "insurance" or disbursement fee is payable before a credit agreement is concluded.
Applications are reviewed by a person against registry data and financial statements. Approval is never guaranteed.
Where a bank or a state-supported programme such as "5-7-9%" can fund the client on better terms, the company says so.
Trust registers and contracts, not websites.
Confirm the company's registration, signatories and seat. Documents in the company's name must match the register.
Banks, consumer lenders, insurers and payment providers appear in the NBU's registers. This company provides none of those regulated services; whoever does must be listed.
All obligations arise from the signed credit agreement. Verbal assurances form no part of the company's obligations.
Payments pass solely between the business accounts named in the agreement — never to private cards, wallets or intermediaries, and never for "unlocking" a loan.
Purpose, source of repayment and timing — in writing or by telephone.
Registry data and recent figures reviewed; further documents on request.
Rate, fees, schedule, early-repayment terms and total repayable — on paper.
Funds to the client's business account named in the signed agreement.
No. The company is a non-bank lender: it takes no deposits, operates no accounts and is not a credit institution. Bank credit is ordinarily cheaper; applicants able to obtain it — or a state-supported "5-7-9%" loan through a participating bank — are advised to do so first.
No. Consumer lending in Ukraine requires an NBU licence, which the company does not hold. Credit is extended solely to companies and sole proprietors for business purposes.
In hryvnias. Facilities are issued and repaid in UAH, so the client carries no currency risk against the loan.
Rates depend on the amount, term, purpose and security of each facility and are not published. The applicable rate, all fees and the total amount repayable are stated in the written offer before any commitment.
No. It issues no securities, pays no returns and accepts no funds from the public. Any solicitation of investment in the company's name should be treated as fraud and reported.
Notify the company as soon as difficulty is foreseeable. A revised schedule agreed in advance is always easier than arrears; collection is conducted lawfully in every case.
Enquiries in writing or by telephone, business hours (EET).