As of the beginning of 2026, under the state program Affordable Loans at 5-7-9%, representatives of micro, small, and medium-sized businesses received 30,053 preferential loans from authorized banks for a total amount of UAH 93.9 billion. Of these, 20,873 loans worth UAH 48.8 billion were provided by banks in the public sector of the economy.
Over the past week, entrepreneurs received 1,180 loans worth UAH 6.2 billion under the program, including 396 loans worth UAH 1.3 billion from banks in the public sector of the economy.
During the period of martial law in Ukraine, 98,688 loans totaling UAH 370.4 billion were issued (including 72,267 loans totaling UAH 185.2 billion from state-owned banks), of which, as of January 5:
– UAH 55.94 billion – for investment purposes;
– UAH 80.71 billion – for financing working capital;
– UAH 50.03 billion – loans for agricultural producers;
– UAH 55.67 billion – for processing agricultural products;
– UAH 3.95 billion – for financing energy services;
– UAH 56.84 billion – for anti-war purposes;
– UAH 55.05 billion – lending in areas of high military risk.
Since the launch of the Program, a total of 134,510 loan agreements worth UAH 460 billion have been signed, including 92,743 agreements to the tune of UAH 211.8 billion signed by state-owned 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. (Government portal)