Governance
Documents and corporate governance principles
We provide key documents governing Kredyt Kapital's operations as required by law, including NBU regulations.
General information for consumers about the company and services
| Item | Details |
|---|---|
| Full and abbreviated name of the legal entity: | Full name: TOV "FK Kredyt-Kapital". |
| Identification code of the legal entity: | 35234236 |
| Location of the legal entity: | Ukraine, 79018, Lviv region, city of Lviv, 1 Smal-Stotskoho St., building 28. |
| List of financial services: | Factoring, provision of funds and bank metals on credit. |
| Information on owners of significant participation: | PCOLLECT HOLDING LIMITED. Registration number: HE 257115, location: 5 Themistokli Dervi, Elenion Building, P.C. 1066, Nicosia, Cyprus. The entity is a participant of the financial services provider with a 100.00 % share. The ultimate beneficial owner is Ewa Zackovicz. |
| Composition of the executive body: | General Director Marian Romanovych Khrobak. |
| Composition of the supervisory board: | There is no supervisory board. |
| Information on separate subdivisions: | There are no separate subdivisions. |
| Licenses and permits: | Extract from the State Register of Financial Institutions dated 07.03.2024 No. 27-0026/18048, under which the NBU recorded the re-issuance to TOV "FK Kredyt-Kapital" (EDRPOU 35234236) of a license for financial company activities with the right to provide the service — factoring, provision of funds and bank metals on credit (perpetual). |
| Right to obtain information on the absence of debt under the agreement: | After the termination of the consumer credit agreement, the consumer is entitled to request from the financial institution information (a certificate) on the parties’ fulfilment of obligations, including the absence of debt. The institution provides it in paper or electronic form within five business days of receiving the request. |
| Information on bankruptcy proceedings or application of a rehabilitation procedure: | There are no facts of bankruptcy proceedings. |
| Information on the commencement of a liquidation procedure: | There are no facts of the commencement of a liquidation procedure. |
| Working hours: | Monday–Friday 9:00–18:00, no lunch break. Saturday–Sunday — days off. |
| Price / tariffs of financial services: | Interest for the use of the loan ranges from 6 % to 24 % per annum; a one-time commission for granting the loan is 1.5 % of the loan amount. |
| Mechanism for protecting consumer rights and the procedure for settling disputes: | For out-of-court dispute resolution, consumers may contact the Company directly. The mechanism for protecting the rights of financial services consumers is provided by the NBU at: bank.gov.ua/ua/consumer-protection. |
| State regulator of financial services markets: | The National Bank of Ukraine, 9 Instytutska St., Kyiv, 01601, Ukraine, tel. 0 800 505 240, website bank.gov.ua. |
| Right to withdraw from the financial services agreement: | The borrower has the right, within 14 calendar days from the conclusion of the agreement, to withdraw from it without explanation, including after receiving funds. Within 7 calendar days of submitting the withdrawal notice, the borrower must return the funds received and pay interest for the actual period of use. |
| Right to terminate or early-repay the agreement: | The credit agreement may be terminated early by mutual consent of the parties. The borrower has the right to make full or partial early repayment of the debt without penalties or additional commissions. |
| Impossibility of increasing the fixed interest rate without the consumer’s consent: | The fixed interest rate under the agreement may not be increased by the Company without the client’s written (or equivalent) consent. |
| Certificate of registration of the financial institution: | FC No. 170 dated 23.10.2007. |
| Trademark registration information: | Certificate for the trademark for goods and services No. 176473 dated 25.09.2013. |
| Availability of guarantee funds or compensation schemes: | None. |
Charter of TOV "FK Kredyt-Kapital"
PDF, 7.3 MB, 06.2026
Extract from the Unified State Register — TOV "FK Kredyt-Kapital"
PDF, 795.07 KB, 06.2026
Certificate of registration of the financial institution — TOV "FK Kredyt-Kapital"
PDF, 183.62 KB, 06.2026
Decision to issue a license for carrying out financial services activities
PDF, 221.56 KB, 06.2026
Information for financial services consumers
PDF, 289.65 KB, 06.2026
Certificate for the trademark for goods and services No. 176473 dated 25.09.2013
PDF, 1.67 MB, 06.2026
Rules and agreements
Product «PML Credit»
Rules for providing funds and bank metals on credit
PDF, 369.05 KB, 06.2026
Sample form of the consumer loan agreement
PDF, 242.7 KB, 06.2026
Consumer credit passport
PDF, 340.84 KB, 06.2026
Payment schedule (Appendix 1)
PDF, 163.28 KB, 06.2026
Notice on the need to provide information
PDF, 41.91 KB, 06.2026
Lending terms
PDF, 135.95 KB, 06.2026
Essential characteristics of the credit service
Additional information (calculation examples)
Appendix 5. Payment schedule 1 mo, UAH 10k, 6%
PDF, 138.43 KB, 06.2026
Appendix 5. Payment schedule 1 mo, UAH 10k, 24%
PDF, 138.86 KB, 06.2026
Appendix 5. Payment schedule 1 mo, UAH 200k, 6%
PDF, 138.73 KB, 06.2026
Appendix 5. Payment schedule 1 mo, UAH 200k, 24%
PDF, 138.71 KB, 06.2026
Appendix 5. Payment schedule 12 mo, UAH 10k, 6% + commission
PDF, 186.33 KB, 06.2026
Appendix 5. Payment schedule 12 mo, UAH 10k, 24% + commission
PDF, 186.47 KB, 06.2026
Appendix 5. Payment schedule 12 mo, UAH 200k, 6% + commission
PDF, 161.63 KB, 06.2026
Appendix 5. Payment schedule 12 mo, UAH 200k, 24% + commission
PDF, 161.75 KB, 06.2026
Ownership structure
As of 28 September 2021
Information on the owner of significant participation in the financial services provider
PDF, 219.68 KB, 06.2026
Information on the ultimate key participants in the ownership structure of the financial services provider
PDF, 220.59 KB, 06.2026
Schematic representation of the ownership structure
PDF, 561.54 KB, 06.2026
Loyalty programme
The Company has no loyalty programmes for financial services consumers.
Privacy and personal data
List of Credit Bureaus (CB) cooperating with TOV "FK Kredyt-Kapital"
Information for the protected category of the population
Pursuant to the Law of Ukraine «On Amendments to Certain Laws of Ukraine on the Settlement of Overdue Debt during Martial Law in Ukraine», notifications that a person belongs to a protected category, together with copies of the relevant supporting documents, are accepted:
- at the Company’s location — 79018, Lviv, 1 Smal-Stotskoho St., building 28;
- at the Company’s email — info@kredyt-kapital.com.ua;
- by phone 0 800 200 502.
Procedure for notifying the authorised representative
Data protection policy:
We ensure the security of personal data. Processing in accordance with law and internal procedures. We guarantee confidentiality, integrity and availability of data.
Anti-corruption policy:
We operate on the basis of honesty and transparency. We do not tolerate corruption and implement procedures to prevent abuse.
Code of ethics:
Our activities are based on the principles of business ethics, mutual respect and social responsibility. The code of ethics sets standards of conduct towards clients, partners and employees.