Ministry of Finance: Small businesses receive 53,400 state-guaranteed loans worth UAH 207.7 billion during full-scale war

Under the support program for micro, small and medium-sized enterprises (MSMEs) in Ukraine, 58,608 loans totaling UAH 213.3 billion have been issued since the state portfolio guarantee instrument was launched in December 2020. During martial law, entrepreneurs received 53,383 such loans from authorized banks worth UAH 207.7 billion. In September this year, 79 loan agreements worth UAH 1.2 billion were signed.

As of October 1, 2026, 29 lending banks service 15,500 loans worth UAH 77.9 billion. Principal debt obligations partially covered by state portfolio guarantees amounted to almost UAH 36.2 billion. This is 45% of the total limit of active guarantees (UAH 80.3 billion).

The leading banks by loan amount are:

- PrivatBank: 8,642 loans totaling UAH 17.2 billion, or 32% of the guarantee limit granted to the bank;

- Oschadbank: 2,947 loans worth UAH 13.8 billion (43% of the bank's limit);

- Ukreximbank, which also acts as the agent under the state portfolio guarantee program, services 568 loans worth UAH 10.6 billion (49% of its limit);

- PUMB: 734 loans worth UAH 10.1 billion (50% of its limit);

- Ukrgasbank: 674 loans worth UAH 7.6 billion (48% of its limit).

The largest volume of such loans is serviced in Kyiv, with 1,781 loans totaling UAH 11.5 billion, as well as in the following regions:

- Kharkiv region: 823 loans worth UAH 6.2 billion;

- Dnipropetrovsk region: 1,337 loans worth UAH 6.2 billion;

- Lviv region: 1,113 loans worth UAH 5.3 billion;

- Kyiv region: 961 loans worth UAH 5.2 billion;

- Odesa region: 1,042 loans worth UAH 4.8 billion.

By type of economic activity, 

- manufacturing ranks first with 4,118 loans worth UAH 29.1 billion, followed by other sectors:

- agriculture: 3,141 loans totaling UAH 24.2 billion;

- wholesale and retail trade, vehicle repair: 5,617 loans worth UAH 16.9 billion;

- construction: 592 loans worth UAH 1.9 billion;

- transport, warehousing, postal and courier activities: 705 loans worth UAH 1.9 billion;

- supply of electricity, gas, steam and air conditioning: 57 loans worth UAH 1.1 billion.

The Ministry of Finance continues to work on developing affordable financing instruments for Ukrainian businesses during the full-scale war.