Own electricity and heat: the government has increased limits for businesses under the “5–7–9%” program
29 January 13:54
The Cabinet of Ministers of Ukraine has expanded the state program of preferential lending “Affordable Loans 5-7-9%,” increasing the maximum amount of investment loans from UAH 150 million to UAH 250 million. This was reported by the press service of the Ministry of Economy of Ukraine, according to "Komersant Ukrainian".
The decision was made on January 28, 2026, and is aimed at encouraging businesses to establish their own electricity generation and autonomous heat supply.
Why the program was updated
The key goal of the changes is to accelerate the restoration of energy and heat capacities damaged by Russian attacks and to increase the resilience of enterprises to blackouts.
In addition to increasing the funding limit by UAH 100 million, the government has expanded the list of equipment eligible for state support.
Cogeneration — a new focus of support
According to Economy Minister Oleksiy Sobolev, entrepreneurs can now attract preferential funds for the purchase of cogeneration plants.
This equipment is critically important because it allows for the simultaneous production of electricity and heat, which significantly increases the energy efficiency of enterprises.
What equipment can be financed
The state continues to subsidize interest rates on loans for the construction and installation of autonomous energy supply systems.
The list of supported solutions includes:
- gas turbine installations;
- gas piston units;
- biogas generation systems;
- cogeneration plants for combined heat and power production.
The transition to distributed generation makes companies more resilient to disruptions in the overall power grid and capacity shortages.
About the “Affordable Loans 5–7–9%” program
The program is part of the “Made in Ukraine” policy to support Ukrainian manufacturers and is aimed at developing micro, small, and medium-sized businesses by reducing the cost of loans through interest rate compensation or state guarantees.
Special conditions apply to enterprises in areas of high military risk:
- 1% per annum for the first five years;
- 5% per annum for the subsequent period.
From 2024, the program will focus on financing investment projects that create jobs, modernize businesses, and contribute to economic recovery.
Previously, entrepreneurs could attract up to UAH 150 million for production development, energy efficiency measures, infrastructure, or reconstruction of destroyed facilities; now the limit has been increased to UAH 250 million.
Demand is growing
In the first week of January, Ukrainian entrepreneurs took out 363 new loans totaling UAH 1.8 billion.
The largest increase in financing was recorded in regions with high military risk, which accounted for 40% of all funds issued.
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