Ministry of Economy and Environment: Businesses secure UAH 3.2 billion in affordable loans under 5–7–9% programme in one week

Over the past week, businesses took out 765 new loans worth UAH 3.2 billion under the Affordable Loans 5–7–9% programme, which forms part of the Made in Ukraine policy to support domestic producers.

Businesses operating in areas of high war risk recorded the largest increase in lending, receiving an additional UAH 1.134 billion during the week. This represented 35.5% of all new funding provided under the programme over the period.

Since the beginning of 2026, businesses have secured 26,500 loans worth UAH 118 billion under the programme. The largest volumes of lending were directed to:

• businesses in areas of high war risk – UAH 40.5 billion;
• manufacturing companies – UAH 30.6 billion;
• investment projects – UAH 19 billion.

Businesses have also taken out 917 interest-free energy loans worth UAH 1.33 billion in 2026. Introduced by the Government at the beginning of the year, these loans provide up to UAH 10 million for a term of up to three years to purchase cogeneration units, generators and other energy equipment.

The Government has also increased the maximum investment loan for energy projects to UAH 250 million to support the construction of new generation capacity ahead of winter.

On 1 July, a separate programme for restoring property destroyed or damaged by the war was launched under the 5–7–9% programme. The interest rate on these loans is 0.1% for the first two years, with a maximum loan amount of UAH 150 million. It will subsequently rise to 5%, 7% or 9%, depending on the business segment and the creation of new jobs.

Since the programme was launched in February 2020, businesses have secured 161,500 loans worth UAH 580 billion. Of these, 126,600 loans worth UAH 490.45 billion were issued during martial law.

The largest volumes of lending have gone to businesses in agriculture, wholesale and retail trade, and manufacturing.

The programme currently has 48 authorised participating banks.

Background

The Affordable Loans 5–7–9% programme forms part of the Made in Ukraine policy to support Ukrainian producers. It is designed to stimulate micro, small and medium-sized businesses by reducing borrowing costs through state-funded interest compensation or government guarantees.

Since 2024, the programme has focused on financing investment projects that create jobs, modernise businesses and support economic recovery. Businesses may use the funding to develop production, improve energy efficiency and infrastructure, or rebuild facilities destroyed by the war.