Current Data on Loans under the “5-7-9%” Program: Summary and Features of 2026

In the past week, Ukrainian entrepreneurs signed 678 new loan agreements totaling 3.4 billion UAH under the state program “Affordable Loans 5-7-9%”. This was reported by the Ministry of Economy.

This is reported by AgroReview

Business Lending in 2026: Key Areas

Since the beginning of 2026, under the “Affordable Loans 5-7-9%” program, businesses have received over 4,300 loans totaling 20.1 billion UAH. Among the main areas that attracted the most loan funds are:

• Lending in High Military Risk Zones — 7.4 billion UAH;
• Development of the Processing Industry — 6.3 billion UAH;
• Financing of Investment Projects — 2.9 billion UAH.

The largest increase in funding over the past week was recorded in the area of business lending operating in high military risk zones — the volume of loans issued increased by 1.1 billion UAH.

Program Statistics Since 2020 and Features of 2026

Since the launch of the program in February 2020, entrepreneurs in the country have received over 138,900 loans totaling over 480 billion UAH. During the period of martial law, 104,000 loans were issued for a total of 390.4 billion UAH.

“Four regions classified as high military risk zones — Dnipropetrovsk, Odesa, Kyiv, and Kharkiv regions — are among the top ten leaders in the number of loans taken.”

Among the sectors that actively utilize the program, the agricultural sector, trade enterprises (wholesale and retail), and the processing industry lead.

The “Affordable Loans 5-7-9%” program is part of the policy to support national producers within the “Made in Ukraine” initiative. It aims to encourage the development of micro, small, and medium-sized businesses by reducing the cost of loan resources through state compensation or guarantees. For enterprises operating in high military risk zones, a reduced rate on investment loans is provided — 1% per annum for the first five years and 5% thereafter.

Starting in 2024, the program will focus more on financing investment projects that create new jobs, modernize business processes, and contribute to the recovery of the Ukrainian economy. Entrepreneurs can obtain funds for production development, implementation of energy-saving technologies, infrastructure development, or reconstruction of facilities destroyed as a result of the war.

To participate in the program, collaboration is available with 48 authorized banks in the country. Detailed conditions for participation and requirements for borrowers can be found on the official website.