The government has expanded the "Affordable Loans 5-7-9%" program with a new direction: loans for restoring enterprises damaged by shelling. The launch is scheduled for July 1. According to Prime Minister Yulia Svyrydenko, the interest rate for the first two years will be 0.1% per annum, then 5%, 7%, or 9%, depending on the business segment and the number of jobs created. The maximum loan amount is 150 million UAH.
The 5-7-9% program has been in operation since February 2020. According to the Cabinet of Ministers, since the start of martial law, entrepreneurs have received over 101,000 loans totaling 376.9 billion UAH under this program. In 2025, the greatest demand is for business lending in high military risk zones: only since the beginning of the year, 27.9 billion UAH has been drawn in this direction. The program involves 47 authorized banks.
What You Need to Get It
The key issue of the new direction is not the interest rate, but proof of losses. According to the program's conditions, businesses must provide the bank with documents confirming property damage or destruction: SESU acts specifying the cause of destruction, an extract from the Unified Register of Pre-trial Investigations regarding the opening of criminal proceedings, data from the State Register of Property Damaged as a Result of Hostilities, as well as a property appraisal report. Additionally, the program requires a mandatory borrower's contribution of at least 20% of the project value for existing businesses.
In parallel, Svyrydenko reminded about other support tools:
- grants for restoring production equipment — up to 16 million UAH;
- "Point of Support" program — wage compensation during downtime after a strike;
- military risk insurance programs.
Context: The Scale of the Problem
According to Forbes Ukraine, in June 2025 alone, three major attacks targeted dozens of small and medium-sized businesses — manufacturers, distributors, and service companies. The losses of one enterprise after a strike exceeded 9 million UAH just a week after the impact, with the final amount still being calculated.
"The interest rate for such loans will be 0.1% during the first two years. Thereafter, it will be 5%, 7%, or 9% depending on the business segment and the creation of new jobs."
Yulia Svyrydenko, Prime Minister of Ukraine
The documentary barrier is a real problem. For enterprises in front-line areas or on de-occupied territories, collecting a complete package of acts and registry extracts is sometimes physically impossible: some data is missing from registers, official documents are lost. This is where the new program could stall even before the first loan is issued.
If the government does not simplify the damage verification procedure for businesses in the most affected districts — Kharkiv, Kherson, and Zaporizhzhia regions — the 0.1% rate will remain attractive on paper but unattainable for those who need it most.
