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Enterprise Security Enhancement (ESE)

The Enterprise Security Enhancement (ESE) helps Ukrainian businesses invest with greater confidence in a high-risk environment. If assets financed under an eligible EBRD-supported investment loan are damaged as a result of war-related events, part of the outstanding loan may be repaid on the borrower’s behalf, reducing debt pressure and helping the business recover faster.

How it works?

The Enterprise Security Enhancement (ESE) helps Ukrainian businesses invest with greater confidence in a high-risk environment. If assets financed under an eligible EBRD-supported investment loan are damaged as a result of war-related events, part of the outstanding loan may be repaid on the borrower’s behalf, reducing debt pressure and helping the business recover faster.

How does the ESE claim process work?

Once the damage occurs, the borrower assesses the loss and submits the completed ESE Application Form to the PFI.
The PFI verifies the damage and forwards the claim to the EBRD.
The EBRD reviews the claim and provides partial compensation through the PFI.
The compensated amount does not remain payable by the borrower, meaning that the borrower’s debt burden is reduced accordingly.

How to apply?

Your loan or lease agreement will indicate whether your financing is eligible under ESE. If the financed assets suffer war-related damage, you should submit the ESE Application Form, to be provided by your lender, together with the required supporting documents. Your lender will then review the submission and confirm once the compensation has been received.

Which loans qualify for ESE?

Any loan issued under the EU4Business-EBRD Credit Line with Incentives may qualify for ESE, as long as the ESE feature is included in the agreement between the EBRD and your bank or leasing company. As of today, the ESE feature is available only through PrivatBank and Raiffeisen Bank Ukraine.

Going forward, however, ESE is expected to become a standard feature across all PFIs.

What documents are required to receive ESE compensation?

Please find the ESE Application Form, together with an indicative list of supporting documents required for an ESE claim, here.