Ministry of Finance: During the full-scale war, entrepreneurs received affordable loans worth UAH 350.5 billion under the 5-7-9% state program

Last week, under the state program “Affordable Loans 5-7-9%,” representatives of micro, small, and medium-sized enterprises (MSMEs) received 401 preferential loans totaling UAH 1.7 billion from authorized banks, including 249 loans worth UAH 0.6 billion from state-owned banks.

Since the beginning of 2025, entrepreneurs have received 24,949 loans totaling UAH 74.1 billion under the 5-7-9 program, including 17,329 loans totaling UAH 36.1 billion from state-owned banks.

During the period of martial law in Ukraine, 94,614 loans were issued for UAH 350.5 billion (including 69,191 loans from state-owned banks for UAH 177.8 billion), of which as of November 17 of this year:

- UAH 52.58 billion was issued for investment purposes;

- UAH 78.87 billion – for working capital financing;

- UAH 48.02 billion – loans for agricultural producers;

- UAH 50.96 billion – for processing agricultural products;

- UAH 3.50 billion – to finance energy services;

- UAH 56.84 billion – for anti-war purposes;

- UAH 47.85 billion – for lending in areas of high military risk.

Since the launch of the Program, a total of 129,436 loan agreements to the tune of UAH 440.2 billion have been signed, including 89,667 agreements worth UAH 204.4 billion concluded with 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.

The state programme aims to develop entrepreneurship by providing access to affordable financing, as well as promoting job creation, economic accessibility and business support during wartime.

It’s worth noting that 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.