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Ministry of Finance: During martial law, entrepreneurs received more than 79,500 soft loans worth UAH 308 billion under the Affordable Loans at 5-7-9% state programme

Ministry of Finance of Ukraine, posted 12 May 2025 12:10

Over the past week, entrepreneurs received 539 soft loans totalling UAH 1.4 billion from authorised banks under the State Programme ‘Affordable Loans at 5-7-9%’, including 374 loans totalling UAH 0.7 billion from public sector banks.

Since the beginning of 2025, entrepreneurs have received 9,906 loans worth UAH 31.5 billion under the 5-7-9 programme, including 6,392 loans worth UAH 12.8 billion from public sector banks.

During the period of martial law in Ukraine, 79,541 loans totalling UAH 308 billion have been issued (including 58,254 loans totalling UAH 154.5 billion by public sector banks), of which as of 12 May this year:

  • UAH 40.8 billion for investment purposes;
  • UAH 75.65 billion for working capital financing;
  • UAH 46.75 billion for agricultural producers;
  • UAH 37.42 billion for agricultural product processing;
  • UAH 2.39 billion for energy service financing;
  • UAH 57.30 billion for anti-war purposes;
  • UAH 34.09 billion for lending in high-risk war zones.

Since the programme’s inception, 114,363 loan agreements worth UAH 397.6 billion have been signed, including 78,730 agreements worth UAH 181.2 billion by state-owned banks.

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

Under the Affordable Loans at 5-7-9% programme, the EDF has signed cooperation agreements with 46 banks. The state continues to make all necessary compensation payments to businesses for loan agreements under the programme.

As a reminder, on 13 September last year, the Government approved changes proposed by the Ministry of Finance to improve processes for providing financial state support to micro, small, and medium-sized enterprises, particularly crucial during the full-scale war. These changes primarily focus on enhancing the Affordable Loans at 5-7-9%, Affordable Financial Leasing at 5-7-9%, and Affordable Factoring state programmes.

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