Ministry of Finance: Since the start of the full-scale war, entrepreneurs have received over 97,000 affordable loans totalling UAH 358.2 billion under the “5-7-9%” programme

Over the past week, under the Government’s Affordable Loans at 5-7-9% programme, representatives of micro-, small and medium-sized enterprises received 658 preferential loans from authorised banks totalling UAH 1.8 billion, including 502 loans worth UAH 1.1 billion from banks in the state sector of the economy.

Since the beginning of 2025, entrepreneurs have received 27,657 loans under the 5-7-9% programme totalling UAH 81.7 billion, of which 19,728 loans worth UAH 45.3 billion were from banks in the state sector.

Since the introduction of martial law in Ukraine, 97,292 loans have been issued totalling UAH 358.2 billion (including 71,122 loans worth UAH 181.8 billion from state-sector banks), of which as of 15 December of the current year:

• UAH 54.14 billion – for investment purposes;
• UAH 79.98 billion – for working capital financing;
• UAH 48.58 billion – loans for agricultural producers;
• UAH 52.55 billion – for processing agricultural products;
• UAH 3.62 billion – for energy service financing;
• UAH 56.84 billion – for anti-war purposes;
• UAH 50.48 billion – lending in high war-risk zones.

In total, since the launch of the programme, 132,114 loan agreements have been signed totalling UAH 447.8 billion, of which 91,598 agreements worth UAH 208.4 billion were with state-sector banks.

The programme is implemented by the Business Development Fund (BDF), whose sole participant is the Government of Ukraine represented by the Ministry of Finance, which coordinates all key aspects of the Fund’s activities.

Under the programme, the BDF has concluded cooperation agreements with 47 banks. The State continues to make all necessary compensatory payments to businesses under the loan agreements concluded within the programme.

The state programme is aimed at developing entrepreneurship by providing access to affordable financing, as well as promoting job creation, economic accessibility, and support for businesses during the war.

Last year, the Government supported the changes proposed by the Ministry of Finance to improve the processes for providing state financial support to MSMEs, which is particularly important under the conditions of the full-scale war. This primarily concerns the development of the Government’s Affordable Loans at 5-7-9%, Affordable Financial Leasing at 5-7-9%", and Affordable Factoring programmes.