Since the beginning of 2025, Ukrainian entrepreneurs have continued to actively use the state program “Affordable Loans 5-7-9%.” According to the Ministry of Economy of Ukraine, from January to April, businesses received 7,325 preferential loans for a total of 23.8 billion hryvnias. It is noteworthy that 5.6 billion of this amount — that is, almost a quarter — went to enterprises operating in regions with an increased level of military risk.

The program, which started in February 2020, has become a real financial savior for small and medium-sized businesses in conditions of both a pandemic and a full-scale war. In total, over the entire period of its operation, entrepreneurs in Ukraine have already attracted about 112 thousand loans for a total of over 390 billion hryvnias.

According to Deputy Minister of Economy Andriy Telyupa, in 2025 the pace of lending accelerated significantly. “We are observing an increase in the average monthly volume by more than 25% compared to previous years, and in regions that are constantly exposed to military threats, the demand for loans has actually doubled,” the official noted.

The program is most actively used by enterprises in Kyiv, as well as in Dnipropetrovsk, Kyiv, Odessa, Kharkiv and Chernihiv regions. In fact, these regions are among the leaders in terms of lending volumes since the beginning of the program.

The top ten regions with the largest loan volumes were: Kyiv city (UAH 39.4 billion), Lviv region (UAH 31.7 billion), Dnipropetrovsk region (UAH 29.3 billion), Kyiv region (UAH 25.7 billion), Odesa region (UAH 25.4 billion), Kharkiv region (UAH 25.2 billion), Vinnytsia region (UAH 21.6 billion), Poltava region (UAH 18 billion), Cherkasy region (UAH 16 billion) and Chernihiv region (UAH 16 billion).

Soft loans are most often attracted by representatives of the processing industry, the agricultural sector, as well as companies operating in the wholesale and retail trade. The program continues to play a key role in preserving jobs, supporting the local economy and creating conditions for investment even under martial law.