The government is launching a new program to restore businesses affected by shelling under the “5-7-9” initiative
The government has launched a new component of the “5-7-9%” program for businesses affected by shelling. Businesses will be able to secure up to 150 million UAH for property restoration at an interest rate of 0.1% for the first two years.
Businesses whose property was damaged or destroyed as a result of Russian aggression will be able to receive preferential loans for its restoration. The Cabinet of Ministers has introduced a new funding stream as part of the state program “Affordable Loans at 5-7-9%”. The decision was adopted at a government meeting on June 10.
A key feature of the new mechanism is a compensation rate of 0.1% per annum for the first two years of the loan term. Thereafter, the rate will be 5%, 7%, or 9%, depending on the enterprise’s category—micro, small, or medium-sized business—and the number of new jobs created.
The maximum loan amount for rebuilding or restoring damaged property will be up to 150 million UAH. At the same time, such loans will not be counted toward the total maximum amount of state support if the enterprise is simultaneously utilizing other components of the “5-7-9%” program. This will allow businesses to combine reconstruction financing with other investment or operating loans.
According to Oleksiy Sobolev, Minister of Economy, Environment, and Agriculture, the new mechanism is intended to help enterprises restore production assets more quickly, resume operations, and preserve jobs.
Other Changes to the “5-7-9%” Program
The government has also revised a number of other program conditions. For enterprises whose production facilities are located in areas of high military risk, the interest rate on working capital loans and refinancing of related debt will be 7% per annum.
Some changes pertain to the financing of energy projects. Loans for solar power plants will require the simultaneous installation of energy storage systems with a capacity of at least 2.5 kWh for every 1 kW of installed solar power plant capacity. However, this requirement will not apply to businesses in a number of regions, including Sumy, Kharkiv, Dnipropetrovsk, Donetsk, Mykolaiv, Kherson, Odesa, Chernihiv, Poltava, and Zaporizhzhia.
The maximum loan amounts for various sectors have also been clarified. Specifically, funding of up to 250 million UAH is provided for investment in the energy sector, up to 90 million UAH for agricultural producers, and up to 150 million UAH for the processing industry, as well as for the restoration of property and businesses in areas of high military risk.
In addition, the government has reduced the bank margin for certain types of loans and introduced an additional financial capacity criterion for medium-sized businesses, which will apply to loans issued starting September 1, 2026.
The “Affordable Loans 5-7-9%” program has been in operation since February 2020. As of early June, entrepreneurs had received 150,900 loans totaling 531.6 billion hryvnias under the program. Since the beginning of 2026, businesses have secured 16,400 loans totaling 71.6 billion hryvnias.
This new component of the program is intended to strengthen the financial capacity of businesses that have suffered direct war-related losses and to create a dedicated tool for restoring their production facilities and returning their operations to full capacity.
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