Affordable Loans at 5-7-9%: Entrepreneurs received UAH 56.8 billion under state programme since start of 2025

Since the start of 2025, businesses have secured over 19,000 preferential loans totalling UAH 56.8 billion. Of these, approximately 2,800 loans worth UAH 13.7 billion were issued to entrepreneurs in high-risk war zones, accounting for nearly a quarter of this year’s total lending.

Five of the nine high-risk war zones rank among the top ten regions for lending: Dnipropetrovsk, Kyiv, Kharkiv, Odesa, and Chernihiv regions.

Since the programme’s launch in February 2020, businesses have obtained 123,600 preferential loans worth approximately UAH 422.8 billion, with 88,700 loans totalling over UAH 333 billion issued since the start of martial law. Last week, entrepreneurs secured 512 loans worth over UAH 1.5 billion.

Loans are most commonly taken by enterprises in the processing industry, agriculture, and wholesale and retail trade.

Since the start of the year, businesses have received over UAH 16 billion for the development of the processing industry and over UAH 15 billion for investment projects.

The programme involves 46 authorised banks.

Background

The Affordable Loans at 5-7-9% programme is part of the Made in Ukraine policy to support micro, small, and medium-sized enterprises by reducing borrowing costs through state compensation or guarantees. For businesses in high-risk war zones, the programme offers a reduced rate of 1% per annum for the first five years and 5% thereafter.

Since 2024, the programme has focused on supporting investment projects that create jobs, modernise businesses, and aid economic recovery. Entrepreneurs can access up to UAH 150 million for developing production, energy efficiency, infrastructure, or rebuilding facilities damaged by the war.

The programme is implemented through the Business Development Fund and authorised banks.