“5-7-9%” amid the war: Ukrainian business has taken out preferential loans worth almost UAH 78 billion
1 December 2025 21:19
The government’s preferential lending program “Affordable Loans 5-7-9%” continues to be one of the key tools to support businesses during the war. This was reported by the Ministry of Finance, "Komersant Ukrainian" reports.
According to the Ministry of Finance, from January to November 2025, representatives of micro, small and medium-sized businesses received more than 26 thousand loans totaling UAH 77.8 billion.
What the new statistics show
According to the Ministry of Finance, the largest share of loans – 18.7 thousand loans for UAH 43.3 billion – was issued by public sector banks.
In the last week alone, authorized banks provided 705 loans worth UAH 1.9 billion, which indicates a stable demand for the program even in a war economy.
How the program has changed during the war
Since the beginning of martial law, businesses have received almost 96,000 loans worth UAH 354.3 billion. The funds were used for various purposes:
- uAH 53.31 billion for investment purposes;
- uAH 79.4 billion for working capital;
- uAH 48.29 billion to support agricultural producers;
- uAH 51.86 billion – processing of agricultural products;
- uAH 3.57 billion – energy service;
- uAH 56.84 billion – anti-war needs;
- uAH 49.08 billion – lending in areas of high military risk.
In total, more than 130,000 loan agreements worth almost UAH 444 billion have been concluded since the program’s launch, half of which were provided by state-owned banks.
Why the demand is strong
Despite the war and financial instability, businesses continue to use concessional loans as a tool to maintain liquidity, modernize production, and reorient to domestic and foreign markets. Experts note that the role of lending is especially growing in high-risk regions, where private investors are not ready to operate without government guarantees.
The government is also expanding the program’s capabilities for entrepreneurs in the frontline regions
This should strengthen their resilience and provide them with additional tools for survival and development, from purchasing equipment to financing working capital.
The state program “5-7-9%,” which started as a tool for entrepreneurship development in peacetime, has actually become one of the main mechanisms for supporting the economic front in wartime.
