Financial leasing is a contract between a financial company (the lessor) that purchases equipment (the object of leasing) and the client (the lessee) who receives the equipment for paid use. After the end of the term of the financial leasing contract, the leased object used by the client in accordance with the contract is returned to the financial company or purchased by the lessee at the residual value.

Financial leasing has many advantages for business: optimization of the taxation system (leasing payments are applied to the company's expenses, which reduces income tax); easier budgeting thanks to an agreed payment schedule for the entire term; there is no need to take equipment on the balance sheet and complicate accounting; cars are not subject to confiscation in favor of third parties and seizure.

To compare the costs of leasing and credit, you need to pay attention to the components of the payment schedule. In leasing, the monthly payment already includes mandatory costs that arise when buying a car. CASCO insurance and auto insurance are also included evenly in the lease payments for the entire term. Therefore, the client minimizes his expenses at the initial stage and can plan his budget due to the agreed schedule. When lending, payment of these costs additionally falls on the client's shoulders and is included in his initial costs. Also, the initial costs of the loan usually include an advance payment and a processing fee, while there are no such conditions in the leasing contract.

Banks mainly issue loans to legal entities secured by real estate. But the business does not always have assets that could be used as collateral for a loan. We offer entrepreneurs loans both with collateral and loans without collateral and collateral. You can get up to UAH 1,000,000 depending on the needs of your business.

Agribusiness can use credit funds for a wide range of production needs: expansion of production, purchase of equipment and plant protection products, etc. The loan can also be used to replenish the company's working capital and maintain current liquidity.

To order a loan, an entrepreneur needs to calculate the previous terms of lending in the calculator on the website, and then fill out an online application, specifying the borrower's data. The application will be considered by Avior managers within 1 working day. A minimum package of documents is required to apply for a business loan. During the conclusion of the contract, together with the client, we will select a convenient payment schedule and agree on other loan parameters.

1.1. The Lender has the right to demand early repayment of the loan and/or to terminate the Agreement early in the event of one of the following events:

1.1.1. If the Borrower has used or is using the loan for purposes other than those specified in the contract (in the case of improper use);
1.1.2. Provision by the Borrower of unreliable, untrue (untrue) information and documents instead of reliable information required under the Agreement, if such fact is discovered after the conclusion of the Agreement;
1.1.3. Non-submission by the Borrower at the Lender's request of documents relating to his financial condition and other documents provided for in this Agreement;

1.2. At any time after the occurrence of the event or events specified in Clause 1.1, the Lender has the right to demand immediate early repayment of the loan and payment by means of a written notice (demand) about the early repayment of the loan and/or early termination of the Agreement to the address of the Borrower specified in the Agreement interest for the entire period of actual use of the loan under this Agreement. The Borrower is obliged to return the loan to the Lender and pay interest for the use of the loan no later than 30 (thirty) calendar days from the date of sending to the Borrower a written notice (demand) from the Lender about early repayment of the loan and/or early termination of the Agreement. The specified thirty-day period begins to count from the date the Lender sends this notice (requirements) to the Borrower by postal means to the Borrower's address specified in the Agreement. The date the Lender sends the claim to the Borrower is the date specified by the postal operator on the receipt provided to the Lender by the communications department when the said claim is sent.

1.3. The Agreement is considered prematurely terminated by the Lender on the grounds specified in Clause 1.1, from the day following the end of the deadline for sending the Borrower a written notice of early termination of the Agreement in accordance with Clause 1.2.

1.4. The Borrower, within the term of use of the Loan, has the right at any time to return the Loan in full or in part early on his own initiative, subject to the simultaneous payment of interest charged by the Lender for the entire period of actual use of the Loan.

1.5. Early repayment of part of the loan by the Borrower in accordance with clause 1.4 does not result in early termination of the Agreement.

1.6. The Borrower, in the case of early repayment of the Loan to the Lender in full and payment of interest for the entire period of actual use of the Loan, has the right to terminate the Agreement early by sending a written notice to the Lender at least 30 (thirty) calendar days before the date of early termination of the Agreement.

1.7. The Agreement is considered prematurely terminated by the Borrower in accordance with Clause 1.6 only if the Borrower returns the Loan in full and pays interest for the entire period of actual use of the Loan, and on the condition that the Lender receives the Borrower's written notice of early termination of the Agreement within the period specified in Clause 1.6.

1.8. Within 14 calendar days from the date of conclusion of the Agreement, the Borrower has the right to withdraw from the Agreement without giving reasons, including in case of obtaining a loan:

1.8.1. the Borrower shall notify the Lender of the intention to withdraw from the Agreement in writing (in paper or electronic form with electronic signatures, electronic digital signatures, other analogues of handwritten signatures (seals) of the parties in the manner prescribed by law) before the end of the period established by this clause.
1.8.2. within 7 (seven) calendar days from the date of submission of a written notice of withdrawal from the Agreement, the Borrower is obliged to return to the Lender the funds received under the Agreement and to pay interest for the period from the date of receipt of funds to the day of their return at the rate established by the Agreement.
1.8.3. the right to withdraw from the Agreement does not apply to loans granted for the purchase of works (services), the performance of which took place before the expiration of the withdrawal period from the Agreement.

1.9. The Agreement is considered terminated by the Borrower as a result of its refusal in accordance with Clause 1.8 of the Agreement only in the event that the Borrower returns the Loan in full, pays interest for the entire period of actual use of the Loan, pays the commission fee (if such is provided for in the terms of the Agreement) and on the condition that the Lender receives a written notification of the Borrower to withdraw from the Agreement in the period specified in Clause 1.8.

1.10. The Agreement may be prematurely terminated (terminated) by agreement of the Parties, upon which the Parties enter into an additional agreement/agreement on its termination, and in other cases determined by law. The contract is terminated after the Parties fulfill their obligations and on other grounds established by current legislation.

To terminate the consumer loan agreement, please contact our contact centers at the indicated numbers and e-mail addresses. You can find more details about the procedure and terms of termination in the "Contacts" section.

According to the amendments to the Law of Ukraine "On Consumer Lending", which supplement the requirements for the settlement of overdue debts with a protected category of clients.
During the period of martial law in Ukraine and within 90 days from the date of its termination or cancellation, the creditor, collection companies engaged by the creditor on a contractual basis, to interact directly with the consumer, his relatives, representative, heir, guarantor or property guarantor, third parties, are obliged to comply with additional requirements regarding ethical behavior in relation to the protected category of clients.

The protected category of clients includes:
- servicemen of the Armed Forces of Ukraine, other military formations formed in accordance with the laws of Ukraine and special law enforcement agencies, the State Special Transport Service, the State Service for Special Communications and Information Protection of Ukraine, who are serving military service on the territory of Ukraine;
- military personnel who became disabled as a result of an illness associated with military service, or as a result of an illness after their release from military service associated with military service;
- family members of servicemen who died, died or went missing;
- persons who are in captivity, persons with whom contact has been lost, persons who are missing.
Confirming documents that the consumer belongs to the protected category are:
- for servicemen of the Armed Forces of Ukraine, other military formations formed in accordance with the laws of Ukraine and special law enforcement agencies, the State Special Transport Service, the State Service for Special Communications and Information Protection of Ukraine, who are serving military service on the territory of Ukraine, signed by the commander (chief , the head) or the person replacing him, of the relevant structural unit in which such a serviceman is serving, or the head of the territorial recruitment and social support center that took measures to draft the consumer for military service, a certificate in the form established by appendix no. 2 of the Law of Ukraine "On Consumer Credit";
- for military servicemen who became disabled as a result of an illness related to military service, or as a result of an illness after their release from military service related to military service, a certificate of war disabled person;
- for family members of servicemen who were killed or died - a certificate of a family member of the deceased;
- for persons who are in captivity, persons with whom contact has been lost, persons who have disappeared, for family members of military personnel who have gone missing - information provided by a state enterprise, which performs the functions of the National Information Bureau, that the person is held captive or held hostage by the aggressor state, or is included in the register as one with whom contact has been lost, or is missing.
Loss of belonging to the protected category of persons

The client must notify the Bank about the loss of belonging to the protected category of persons within 30 calendar days.

Regarding belonging to a protected category, the consumer can report personally, as well as his relatives, representatives, heirs, guarantors or property guarantors using the contact data indicated in the list of the Company's contact data.