Business Recovery Gets a Boost: Ukraine Launches Ultra-Low 0.1% Loans

New Initiative to Rebuild War-Affected Enterprises in Ukraine

According to Кабмін: Starting July 1, small and medium-sized businesses in Ukraine will have access to significantly cheaper financing under the expanded "Affordable Loans 5-7-9%" program. According to Yuliia Svyrydenko, the interest rate for these recovery loans will be set at just 0.1% for the first two years. After that, the rate will range between 5%, 7%, or 9%, depending on the business sector and the number of new jobs created. The maximum loan amount available under this scheme is up to 150 million hryvnias. This initiative is designed to help companies that have suffered damage from shelling and other war-related destruction.

Targeted Support for Damaged Businesses

The "Affordable Loans 5-7-9%" program serves as a key tool for repairing or replacing destroyed or damaged business assets. Notably, loans taken for recovery purposes will not count toward the borrowing limits set under other lending programs, giving businesses additional financial flexibility.

• As of early June, since the program's launch in February 2020, entrepreneurs have received 150,900 loans totaling 531.6 billion hryvnias.
• Since the start of 2026, businesses have secured 16,400 loans worth 71.6 billion hryvnias.

In addition to the loan program, the government offers grants of up to 16 million hryvnias for replacing production equipment. Another measure, called the "Pillar of Support" program, provides wage compensation for employees during downtime caused by missile strikes. Furthermore, active war-risk insurance schemes are enhancing the overall resilience of businesses during this challenging period.

The launch of this new recovery program is a critical step in supporting Ukrainian businesses that have been impacted by hostilities. Yuliia Svyrydenko

Access to cheap credit and grants will not only help enterprises resume operations but also encourage job creation. These measures are expected to significantly contribute to the country's economic stability, especially as businesses continue to face heavy losses from shelling and other consequences of the war.