- vermus@gmail.com
Buy a ready-made financial company with a lending license
A ready-made financial institution with a valid NBU license for providing funds on credit, including under financial credit terms. Start operational activity immediately after the transfer of rights — without going through the license obtainment procedure, which takes from 3 to 6 months and requires capital from UAH 3 million.
- Valid NBU license for providing funds on credit
- Formed and confirmed authorized capital
- Company transfer within 14–21 business days
- Full package of regulatory documents and internal NBU policies
What is included in the service: purchase of a financial company with a lending license
A ready-made financial company (FC) with a lending license is a legal entity entered in the State Register of Financial Institutions and has received authorization from the National Bank of Ukraine to provide funds on credit, including under financial credit terms. Such a company has the right to provide lending to individuals and legal entities, issue consumer loans, operate in the microcrediting segment, and work with financial services.
Who the purchase of a financial company with a license is suitable for
- Investors entering the consumer lending and microfinance market
- Owners of online quick loan services (fintech projects)
- Businesses that scale B2B lending and factoring operations
- Holdings that add a financial vertical to their existing business structure
- Entrepreneurs who want to avoid their own licensing and need an alternative solution
- Foreign investors entering the Ukrainian financial market without going through a lengthy authorization procedure
What you receive together with a ready-made financial company
- Legal entity with an EDRPOU code and registration in the State Register of Financial Institutions: a full-fledged FC ready for operational activity.
- Valid NBU license for providing funds on credit: with confirmed validity and no restrictions or suspensions.
- Formed authorized capital from UAH 3 million: documented and compliant with NBU requirements.
- Developed internal policies: risk management, AML/KYC, financial monitoring, corporate governance, information security — a full package submitted to the regulator.
- Appointed manager with confirmed business reputation: meets NBU requirements for top management qualification.
- Time saving: instead of 3–6 months for licensing — launch within 14–21 days.
How the purchase of a financial company with a license works
We agree on the parameters of the FC for your tasks
We define the type of activity: consumer lending, B2B lending, microfinance, authorized capital amount, need for existing accounts, IT infrastructure specifics, budget, and deadlines.
We check the validity of the license and the company’s status with the NBU
We confirm that the license is valid, not suspended, that there are no regulatory enforcement measures, and check the company’s status in the State Register of Financial Institutions.
We conduct a full legal and financial review
We prepare a report: absence of debts, court proceedings, enforcement documents, tax debt, claims from clients, open NBU inspections, fines, and financial monitoring violations.
We prepare the corporate rights purchase and sale agreement
We set out the terms of share transfer, seller’s guarantees, liability of the parties, a separate clause on the validity of the license, and absence of regulatory enforcement measures at the time of transfer.
We agree on the change of owners with the NBU
A change of owners of an FC with a qualifying holding of 10% or more requires approval from the National Bank. We prepare a package of documents for the NBU: confirmation of the new owners’ business reputation, sources of origin of funds, and business plan.
We register changes in the Unified State Register
After obtaining NBU approval, we submit documents on the change of owners to the state registrar. Registration of changes takes up to 3 business days.
We transfer the full package of regulatory documents
Constituent documents, license, internal policies, risk management system documents, AML/KYC, financial monitoring, regular reporting to the NBU, and accounting records.
We provide ongoing regulatory support
Support in interaction with the NBU, preparation of regular reporting of the financial institution, updating internal policies in accordance with legislative changes, legal support for regulator inspections.
How cooperation works
Application and consultation
The client contacts us through an application form or by phone. We provide a quick consultation and discuss the details of the service.
Agreement on jurisdiction and structure
We choose the optimal jurisdiction and structure for company registration and agree on the cost of the service.
Document preparation
We collect and prepare all necessary documents for registration or service execution and check their compliance.
Further legal support
We provide legal support when needed, including matters related to taxes, reporting, and other issues.
Transfer of documents and instructions
After registration, we transfer the documents to the client and provide instructions for further actions.
Submission of documents and registration
We submit documents for company registration or service execution, ensuring its official status.
Timeline and cost
How the service cost is determined
The cost of our services depends on various factors, such as the complexity of the service, the required additional services, and the specifics of your business. Each case is individual, so we determine the exact cost after a consultation.
Factors that affect the cost
The main factors that affect the cost are:
- Jurisdiction where the company is registered for services related to registration.
- Type and structure of the company for services related to legal support or registration.
- Additional services such as account opening, nominee services, notarized translations, etc.
How to find out the exact cost of the service
To find out the exact cost and timeline of our service, you need to:
- Fill out the form on our website for a preliminary consultation.
- Call us at: +380 (68) 891-60-14.
- Book a consultation, where we will discuss the details and provide an exact cost estimate for your situation.
Additional services and their impact on the cost
Additional options may be added to the base cost of the service, such as:
- Opening a bank account or connecting payment systems.
- Notarial services such as translation and apostille.
- Legal consultations on tax matters and other aspects of activity.
These services may change the final cost, so we always discuss them at the consultation stage.
You may also be interested in other services
Key features of purchasing a financial company with a license
Why purchasing an FC is the optimal solution instead of independent licensin
Independently obtaining a financial company license in Ukraine is one of the most complex regulatory procedures in the financial sector. The NBU imposes strict requirements:
- Authorized capital from UAH 3 million for activities involving the provision of funds on credit — actually paid, not borrowed, and documented with confirmed sources of origin
- Confirmation of the business reputation of owners with qualifying holdings and the manager
- Development of a full set of internal policies in accordance with NBU requirements
- Availability of qualified personnel with confirmed education and experience
- Secured IT infrastructure with a protected information environment
- Compliance with the requirements of the Law “On Financial Services and Financial Companies”
The procedure for submitting and reviewing an application takes from 3 to 6 months. In 2026, the refusal rate remains high — mainly due to formal errors in documents, insufficient justification of the sources of origin of authorized capital, and unsatisfactory quality of internal policies.
Purchasing a ready-made FC allows you to fully bypass this stage. You receive an operating institution with a license, where all formal requirements have been fulfilled by the previous owner and approved by the regulator.
What types of financial activity are allowed by the lending license
The NBU license for providing funds on credit, including under financial credit terms, gives the right to:
- Consumer lending to individuals: short-term loans, microloans, loans for household appliances, cars, and real estate
- B2B lending to legal entities: working capital loans, investment loans, lending secured by assets
- Online lending in the fintech segment: issuing loans through mobile applications and web platforms
- Microfinance: small-amount loans for socially vulnerable categories or unsecured loans
- Secured lending: loans secured by real estate, vehicles, or securities
- Overdrafts and credit lines
Separately, additional licenses or an extension of the current license are required to provide loans under financial leasing, factoring, or guarantee terms. Vermus advises on the optimal license structure for your business plan.
Does the license transfer together with the company
Yes. The NBU license is issued to the legal entity, not to the owners of that entity. When corporate rights are purchased, the license remains with the company itself and continues to be valid. However, a change of owners with a qualifying holding of 10% or more requires mandatory approval from the NBU.
The approval procedure includes submission to the NBU of:
- Documents on the new owners and manager
- Confirmation of business reputation, including absence of criminal records, bankruptcies, and restrictions under other licenses
- Sources of origin of funds for the acquisition of the share
- A business plan for the FC’s activity for 3 years
NBU review takes up to 3 months. Without NBU approval, the transaction is legally invalid, and the license may be revoked. Therefore, it is critically important to conduct the transaction through a legal company that has experience in approving such operations with the regulator. Vermus supports the entire approval process with the NBU and guarantees the legal clean status of the transaction.
What requirements does the NBU impose on new owners
When approving a change of owners of a financial company, the National Bank assesses:
- Business reputation: absence of convictions in the financial sector, bankruptcies, restrictions from other regulators, and corruption offenses.
- Financial capability: documented sources of origin of funds for the purchase of the share.
- Absence of links with high-risk jurisdictions: checks against sanctions lists, FATF jurisdictions with restrictions, and countries with an insufficient level of financial monitoring.
- Manager qualification: relevant education, such as financial, economic, or legal education; at least 3 years of experience in the financial sector; and an impeccable professional reputation.
If the new owners do not meet the requirements, the NBU may refuse to approve the transaction. Therefore, before concluding the agreement, we conduct a preliminary assessment of the new owners’ compliance with the regulator’s requirements and advise on adjusting the ownership structure if necessary.
What guarantees the buyer receives
The purchase and sale agreement for the corporate rights of the financial company sets out:
- guarantee of the license validity at the time of transfer, with confirmation from the NBU licensees register
- absence of regulatory enforcement measures, including warnings, fines, and activity restrictions
- absence of open inspections or procedures for license revocation
- absence of court proceedings for violations of financial services legislation
- legal clean status of the company: absence of debts, enforcement proceedings, and tax debt
- formed and confirmed authorized capital
- transfer of full regulatory documentation: license, internal policies, and registry reporting to the NBU
What the client must ensure after purchasing the company
The license is valid provided that NBU requirements are continuously met. After the company is transferred, the new owner is obliged to ensure:
- maintaining the minimum amount of authorized capital, from UAH 3 million and above depending on the type of activity
- compliance with NBU risk and liquidity standards
- submission of regular reporting by the financial institution: monthly, quarterly, and annual
- compliance with financial monitoring rules: client KYC, transaction monitoring, and reporting suspicious transactions
- mandatory annual audit
- compliance with rules for protecting the rights of financial services consumers
- maintaining registers of credit agreements
Vermus supports the setup of reporting and advises on all mandatory NBU requirements.
Why you should contact Vermus specialists
Purchasing a financial company with a license is the most complex operation in the category of ready-made companies with licenses due to the mandatory approval procedure with the NBU. Mistakes at any stage — incorrect preparation of documents on new owners, incomplete confirmation of sources of origin of funds, or unsatisfactory quality of the business plan — lead to the regulator’s refusal, which blocks the transaction and may result in the license being revoked.
Vermus has experience supporting transactions with financial institutions and regular interaction with the NBU. We prepare a full package of documents for the regulator, conduct a preliminary assessment of new owners’ compliance with the requirements, and support the transaction until final approval is obtained.
This is especially important for the financial services market, where mistakes in one transaction may lead to sanctions from the regulator, reputational losses, and blocking of the entire business structure. Legally competent formalization allows NBU approval to be passed without delays or refusal and operational activity to begin within the expected timeframe.
Frequently asked questions about purchasing a financial company with a license
Is the license reissued when the company owners change?
No, the license belongs to the legal entity and is not reissued. However, a change of owners with a qualifying holding of 10% or more requires mandatory approval from the NBU. Without approval, the transaction is legally invalid, and the license may be revoked. Vermus supports the entire approval procedure with the regulator.
How long does it take to purchase a financial company with a license?
The company transfer under the agreement itself takes 14–21 business days. However, full approval of the change of owners by the NBU takes up to 3 months. Operational activity can be carried out from the moment of transfer, but final confirmation of the transaction’s legitimacy is obtained after the regulator’s decision.
What are the NBU requirements for new owners of an FC?
Business reputation: no criminal record in the financial sector, no bankruptcies, no restrictions under other licenses. Financial capacity: documented sources of funds for purchasing the share. No ties to sanctioned jurisdictions. Before concluding the agreement, Vermus conducts a preliminary compliance assessment and advises on any necessary adjustments.
Can an FC be purchased without NBU approval?
Technically, a change of owners can be registered in the state register without NBU approval, but this will lead to serious consequences: the NBU will apply enforcement measures, the license may be suspended or revoked, and fines may be imposed. The legally correct path is full approval of the transaction with the regulator.
Do the company’s debts and obligations transfer to the new owner?
Yes, the legal entity remains the same — the company’s obligations transfer along with it. That is precisely why we conduct a detailed legal and financial due diligence before the deal and include in the agreement the seller’s warranty regarding the absence of hidden liabilities, along with liability for their discovery.
What types of lending does the license allow?
Consumer lending to individuals, B2B lending to legal entities, online lending (fintech), microfinancing, secured lending, overdrafts. Separate or extended licenses are required for leasing, factoring, and guarantees.
What is the minimum authorized capital for an FC?
For the activity of providing funds as loans — a minimum of UAH 3 million, fully paid and documented. For extended types of financial activity, the NBU may set higher requirements. In a ready-made FC, the authorized capital is already formed and confirmed.
What are the risks of license revocation after purchase?
The license can be revoked for violations of NBU requirements: failure to comply with risk standards, failure to submit reporting, violations of financial monitoring rules, loss of compliance by managers with regulatory requirements, or loss of business reputation by owners. Vermus supports operational activities and helps maintain full compliance with requirements.
Contact information
- +38(068) 891 60 14
- Kyiv, 16A Shota Rustaveli Street
- vermus@gmail.com
- Mon-Fri: 09.00-18.00