Last week, December 29 – January 2, Ukrainian entrepreneurs secured 1,180 new loans worth UAH 6.2 billion under the state program “Affordable Loans 5-7-9%”, reports ProAgro Group.
According to the Ministry of Economy, in 2025 businesses received 30.1 thousand preferential loans totaling nearly UAH 94 billion. The largest financing volumes were directed to:
- Lending in high war-risk zones — UAH 27.9 billion
- Development of the processing industry — UAH 24.1 billion
- Investment projects — UAH 22.8 billion
The most notable increase last week was recorded in lending to businesses in regions with high war risk — plus UAH 2.6 billion.
Since the launch of the program in February 2020, entrepreneurs have attracted 134.5 thousand loans worth nearly UAH 460 billion. During martial law, 99.7 thousand loans totaling UAH 370.4 billion were issued.
The top ten regions by the number of loans include Dnipropetrovsk, Odesa, Kyiv, and Kharkiv — all belonging to high war-risk zones. The largest financing volumes were received by enterprises in the agricultural sector, processing industry, and trade.
The “5-7-9%” program is part of the “Made in Ukraine” policy and aims to support micro, small, and medium-sized businesses. For companies in war-risk zones, special conditions apply: investment loans at 1% per annum during the first five years and 5% thereafter. The maximum loan amount is up to UAH 150 million.
The program is implemented by the Entrepreneurship Development Fund together with 47 authorized banks.
Also read: From January 1, 2026, Ukraine introduces a new mechanism for war risk insurance.
