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Ministry of Economy: Government continues funding the Affordable Loans at 5-7-9% programme

Ministry of Economy of Ukraine, posted 09 June 2025 16:08

Since the start of 2025, businesses have received 12,537 subsidised loans under the Affordable Loans at 5-7-9% programme, totalling over UAH 39 billion. Since the programme’s launch in February 2020, businesses have secured nearly 117,000 loans amounting to UAH 405 billion. Last week, Ukrainian entrepreneurs obtained 804 subsidised loans worth UAH 2.1 billion.

“The Government continues to fund the Affordable Loans at 5-7-9% programme. Last week, we transferred another UAH 2 billion tranche to the Entrepreneurship Development Fund to cover interest rate subsidies for loans issued by banks in May. This ensures that businesses upgrading or expanding production, as well as those engaged in processing, can rely on affordable financing. For businesses operating in frontline regions, the Government has extended the period during which they can access loans at a 1% interest rate from two to five years,” said Andrii Teliupa, Deputy Minister of Economy.

Since the beginning of the year, the programme has provided businesses with:

  • UAH 9.7 billion for investment loans;
  • UAH 8.3 billion for lending in high-risk war zones;
  • UAH 8.1 billion for processing activities;
  • UAH 6.6 billion for working capital replenishment.

The most frequently financed businesses operate in processing industries, agriculture, and wholesale and retail trade.

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

Currently, 46 banks participate in the programme, with the largest number of loans issued since its inception by PrivatBank (54,200), Oschadbank (17,900), and Ukrgasbank (6,400).

Background

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

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

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