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Ministry of Finance: During the full-scale war, small businesses received 91,300 affordable loans worth UAH 340 bn under the 5-7-9% state program

Ministry of Finance of Ukraine, posted 13 October 2025 14:22

Over the past week, under the Government’s Affordable Loans at 5-7-9% programme, micro, small, and medium-sized enterprises received 433 preferential loans totalling UAH 1.2 billion, including 299 loans worth UAH 0.7 billion from state-owned banks.

Since the start of 2025, entrepreneurs have obtained 21,665 loans worth UAH 63.3 billion under the 5-7-9% programme, with 15,036 loans amounting to UAH 31.4 billion from state-owned banks.

During martial law in Ukraine, 91,300 loans worth UAH 339.8 billion have been issued (including 66,898 loans worth UAH 173.1 billion from state-owned banks). As of 13 October 2025, these include:

  • UAH 50,32 bn for investment purposes;
  • UAH 77.68 billion for working capital financing;
  • UAH 47.27 billion for agricultural producers;
  • UAH 48.95 billion for agricultural product processing;
  • UAH 3.21 billion for energy service financing;
  • UAH 56.85 billion for anti-war purposes;
  • UAH 43.76 billion for lending in high-risk war zones.

Since the programme’s launch, 126,122 loan agreements worth UAH 429.4 billion have been signed, including 87,374 agreements worth UAH 199.8 billion from state-owned banks.

The programme is implemented by the Business Development Fund (BDF), wholly owned by the Ukrainian Government through the Ministry of Finance, which coordinates all key aspects of the Fund’s operations.

Under the Affordable Loans at 5-7-9% programme, the BDF has partnered with 46 banks. The state continues to provide all necessary compensation payments to support businesses under the programme’s loan agreements.

Last autumn, the Government endorsed changes proposed by the Ministry of Finance to improve financial support processes for micro, small, and medium-sized enterprises, particularly vital during the full-scale war. These changes enhance the Affordable Loans at 5-7-9%, Affordable Financial Leasing at 5-7-9%, and Affordable Factoring programmes.

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