On April 7, 2026, Spozhyvchiy Tsentr LLC, operating under the ShvidkoGroshi brand, launched a public offering of Series A 3-year corporate bonds with a total face value of UAH 100 million. This is one of the few instances of a non-bank financial company entering the organized capital market in Ukraine amid a full-scale war.
The company has been operating in the market since 2010 and is among the leaders in the consumer lending segment. The business combines an online model with the largest offline network among MFOs, allowing it to reach a broader customer base and maintain a stable cash flow.
Entering the corporate bond market is a logical step in the company’s evolution—from equity financing to diversifying funding sources.
According to company representatives, the funds raised are planned to be allocated primarily to expanding the loan portfolio, which directly impacts business growth and revenue generation. A portion of the funds will also be invested in IT, marketing, and improving the efficiency of non-performing loan management.
Under the terms of the corporate bond prospectus registered with the National Securities and Stock Market Commission (NSSMC), interest payments are made by the issuer on a quarterly basis. The nominal yield for the first four interest periods is set at 24% per annum. During the bonds’ circulation period, holders have the option of early redemption, which enhances their investment appeal. The instrument is admitted to trading on stock exchanges, including the PFTS.
A key feature of the issue is the combination of high yield with the issuer’s transparent business model. The company’s financial statements are certified by an independent auditor, and its operations are supervised by the National Bank of Ukraine.
Given the limited opportunities for investing in hryvnia-denominated instruments, such issues could serve as an alternative for investors willing to accept corporate risk in exchange for higher returns.
ShvydkoGroshi’s entry into the bond market could send an important signal to the entire industry: non-bank financial institutions are gradually integrating into the public capital market and forming a new class of corporate issuers in Ukraine.
Detailed information about the issue is available on the company’s website:
https://sgroshi.com.ua/ua/obligacii/
