Ukrainian entrepreneurs continue to invest despite unprecedented challenges. Since the beginning of 2025, businesses operating in high military risk areas have secured loans worth over UAH 5 billion from banks under the Affordable Loans at 5-7-9% programme.
“Ukrainian entrepreneurs are showing remarkable motivation: they aren’t waiting for “better times” but are investing in their businesses right now, even in the toughest conditions. Since the start of 2025, banks have issued 930 loans worth over UAH 5 billion in high military risk areas under the 5-7-9% programme. Overall, since February 24, 2022, more than UAH 32 billion has been financed in these regions. This shows that average monthly lending volumes have more than doubled compared to the figures from 2022-2024. This is exactly why the programme exists – to support entrepreneurs and boost economic growth,” said Deputy Minister of Economy Andrii Teliupa.
In 2025, the state has allocated UAH 18 billion to subsidise interest rates, ensuring entrepreneurs can continue accessing preferential loans. For businesses in high military risk areas, even more lenient terms are available – 1% annual interest for investment purposes during the first 24 months, rising to 5% thereafter.
High military risk areas include entire regions as well as specific districts or communities that are experiencing or have experienced combat, regular attacks, or are located near the front line or in areas at risk of being targeted. These include certain districts of Dnipropetrovsk, Kyiv, Mykolaiv, Odesa, Sumy and Kharkiv regions, as well as nearly all territories of Donetsk, Zaporizhzhia and Kherson regions. (Government portal)