Made in Ukraine: Businesses attracted UAH 5.1 billion in affordable loans under the “5-7-9%” program in one week

Over the past week, entrepreneurs took out 885 new loans totaling UAH 5.12 billion under the Affordable Loans at 5-7-9% program, which is part of the Made in Ukraine policy for the development of manufacturers.

The largest increase in the amount of loans issued was recorded by businesses in high-military-risk zones—an increase of UAH 1.7 billion over the week. This accounts for 33.2% of all new loan funds issued under the program during this period.

In total, since the beginning of 2026, businesses have secured 20,000 loans totaling UAH 88.9 billion under the program. The largest volumes of lending were directed toward:

• businesses in high-military-risk zones—UAH 30.1 billion;
• the manufacturing industry—UAH 24 billion;
• investment projects—UAH 13.4 billion.

Since the program’s launch in February 2020, entrepreneurs have received 154,500 loans totaling UAH 548.8 billion. Of these, 119,700 loans totaling UAH 459.2 billion were issued during the period of martial law.

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

There are 48 participating banks in the program.

Background

The Affordable Loans at 5-7-9% program is part of the Made in Ukraine policy for the development of Ukrainian manufacturers and is aimed at stimulating micro, small, and medium-sized businesses by making credit more affordable through government subsidies or government guarantees.

In June 2026, the Government launched a new program under the “5-7-9%” initiative. Micro, small, and medium-sized businesses will have an opportunity to obtain cheaper loans to restore destroyed or damaged property.

The interest rate on such loans will be 0.1% for the first two years. Thereafter, it will be 5%, 7%, or 9%, depending on the business segment and the creation of new jobs. The maximum loan amount is up to UAH 150 million.

In early 2026, the Government enhanced the program’s energy component. Specifically, a 0% annual interest energy loan of up to UAH 10 million with a term of up to 3 years was introduced for the purchase of cogeneration units, generators, and other energy equipment. The Government also increased the maximum amount of investment loans for energy needs to UAH 250 million to build new power generation capacity before winter.

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 facilities destroyed by the war.