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Affordable Loans at 5-7-9%: Entrepreneurs received 9,906 loans worth UAH 31.5 billion since the start of the year

Ministry of Economy of Ukraine, posted 12 May 2025 16:19

Since the beginning of 2025, businesses have secured 9,906 subsidised loans under the Affordable Loans at 5-7-9% programme, totalling UAH 31.5 billion. Since the programme’s launch in February 2020, businesses have accessed over 114,400 loans amounting to UAH 397.6 billion. Last week, Ukrainian entrepreneurs obtained 539 subsidised loans worth UAH 1.4 billion.

“This year, the state budget has allocated UAH 18 billion to cover interest rate subsidies for loans provided to businesses under the Affordable Loans at 5-7-9% programme. These funds are gradually disbursed to bridge the gap between market interest rates and the reduced rates available to enterprises operating in the real economy. The majority of subsidised loans are directed towards investment purposes, development of processing industries, support for sowing campaigns, and financing businesses in regions with high military risks,” said Andrii Teliupa, Deputy Minister of Economy.

Since the start of the year, businesses have received under the programme:

  • UAH 7.7 billion for investment loans;
  • UAH 7.0 billion for lending in high-risk military zones;
  • UAH 5.9 billion for processing industries;
  • UAH 5.0 billion to support sowing campaigns;
  • UAH 4.9 billion to replenish working capital.

The most frequent borrowers are enterprises in the processing industry, agriculture, and wholesale and retail trade.

The regions leading in the total value of loan agreements are Lviv, Dnipropetrovsk, Kyiv, Odesa, Kharkiv, Vinnytsia and Poltava regions, and the city of Kyiv.

Currently, 46 banks participate in the programme, with the largest number of loans issued since its inception by PrivatBank (52,900), Oschadbank (17,500), and Ukrgasbank (6,200).

Background

The Affordable Loans at 5-7-9% programme is part of the Made in Ukraine policy to support Ukrainian producers. It aims to stimulate micro-, small-, and medium-sized businesses by reducing the cost of credit through state subsidies or guarantees.

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

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