Made in Ukraine: Businesses secured UAH 4 billion under the Affordable Loans at 5-7-9% program over the week

Last week, entrepreneurs took out 913 new loans totaling UAH 4.0 billion as part of the Government’s Affordable Loans at 5-7-9% initiative. The program is part of the Made in Ukraine policy for the development of manufacturers.

The largest increase in the amount of loans issued was seen among businesses in areas of high military risk—an increase of UAH 1.3 billion over the week. This accounts for 32.4% of all new loan funds issued under the program during this period.

In total, since the beginning of 2026, businesses have secured 15,500 loans totaling UAH 67.7 billion under the program. The largest volumes of lending fall on:

• enterprises in high-military-risk zones – UAH 22.8 billion;
• the processing industry – UAH 18.5 billion;
• investment projects – UAH 10.4 billion.

Since the program’s launch in February 2020, entrepreneurs have received over 150,000 loans totaling UAH 527.7 billion. Of these, 115,200 loans totaling UAH 438.1 billion were issued during the period of martial law.

Four regions classified as high military risk zones are among the top ten in terms of the number of loans taken out: Dnipropetrovsk, Odesa, Kyiv, and Kharkiv regions.

The largest volumes of lending were attracted by enterprises in the agricultural sector, wholesale and retail trade, and the manufacturing industry.

Forty-eight authorized banks participate in the program.

Background information

The Affordable Loans at 5-7-9% program is part of the Made in Ukraine policy for the development of Ukrainian manufacturers and is designed to stimulate micro, small, and medium-sized businesses by making credit more affordable through government subsidies or public guarantees. For businesses operating in high-military-risk zones, the program offers a reduced interest rate on investment loans—1% per annum for the first 5 years and 5% thereafter.

Starting in 2024, the program will focus on supporting loans for investment projects that create jobs, promote business modernization, and contribute to economic recovery. Entrepreneurs can secure funding for production development, energy conservation, infrastructure, or the reconstruction of war-damaged facilities.