---
title: "Loans with a 5.5% State Subsidy: New Conditions for Big Business"
description: "The government has expanded the preferential lending program for big business up to 1 billion hryvnias, covering fuel infrastructure, processing, and retail with a 5.5% rate compensation."
date: 2026-09-30T10:02:00.000Z
lang: en
url: https://xab.info/en/posts/loans-with-state-subsidy-5-5-new-conditions
tags: [loans, business, economy, ukraine, subsidies]
publisher: "XAB.info"
---

# Loans with a 5.5% State Subsidy: New Conditions for Big Business

![Preferential loans for big business with a 5.5% state subsidy](https://xab.info/media/2026/09/30/kredity-s-gosudarstvennoy-doplatoy-5-5-novye-usloviya/kredity-s-gosudarstvennoy-doplatoy-5-5-novye-usloviya-1.webp)

## 🎯 Key Points

- The preferential lending limit for a group of related companies is up to 1 billion hryvnias.
- The program has been expanded to include fuel, warehouse infrastructure, processing, and retail working capital.
- The state through the National Development Institution compensates part of the interest rate (base rate minus 5.5%).
- The Ministry of Economy is preparing amendments to resolution No. 28 and developing Political Risk Insurance (PRI) mechanisms.

The Ukrainian government has significantly expanded the preferential lending program for big business, incorporating new strategic areas. In addition to distributed generation, which was previously prioritized, concessional loans now cover fuel and warehouse infrastructure, processing industries, and retail working capital. The total financing limit is set at up to 1 billion hryvnias for a group of related companies, enabling the scaling of reconstruction projects.

### Economic Mechanism and Terms of State Support

This initiative is implemented based on government resolutions No. 594 and No. 1156, becoming a core state instrument to attract private capital into the economy. As Deputy Minister of Economy Yegor Perelygin noted at the Forbes Ukraine Economic Resilience Forum, the state provides financial resources at a cost comparable to inflation, while businesses contribute parallel investments to execute projects.

The mechanism relies on the state compensating part of the interest rate through the National Development Institution. The borrower pays the base rate minus 5.5 percentage points, with the state budget covering the remainder. For retail companies, such loans are provided specifically to replenish working capital, facilitating settlements with manufacturers and suppliers of consumer goods.

### Further Steps and Integration with International Instruments

The Ministry of Economy of Ukraine is currently finalizing amendments to resolution No. 28, which regulates the popular "5-7-9%" affordable loans program. The innovations target enterprises collaborating with major retailers, suppliers, and producers that feed products into large retail chains.

Concurrently, the agency is exploring a wider application of Political Risk Insurance (PRI) combined with long-term loans from Western partners. This combination of financial instruments aims to reduce lending barriers and enhance the resilience of Ukrainian enterprises, whose total war-related damages, according to preliminary Ministry of Economy estimates, have reached $10 billion.

### Contradictory Data

Discussions persist among experts and in specialized publications regarding the sources and adequacy of business support funding. While Ukrainian government initiatives focus on compensation via the National Development Institution and Political Risk Insurance (PRI), international and regional overviews occasionally point to parallel practices in other jurisdictions where targeted subsidies or grants amount to millions or billions of rubles (for instance, under Russian agricultural or infrastructure support programs). This creates certain informational overlaps when cross-analyzing state intervention measures; however, the core parameters of the Ukrainian program are explicitly defined in resolutions No. 594 and No. 1156 with a limit of up to 1 billion hryvnias.

## 🔍 Fact-Check Verification

- [Кредиты с государственной доплатой 5,5%: новые условия для крупного бизнеса](https://www.rbc.ua/ukr/news/krediti-derzhavnoyu-doplatoyu-5-5-novi-umovi-1790761645.html) - Основной источник информации об условиях постановлений №594 и №1156, лимите в 1 млрд гривен и заявлениях замминистра Егора Перелигина.
- [Правительство направит еще около 1 миллиарда рублей на льготное кредитование](https://1prime.ru/20251127/kreditovanie-864986330.html) - Использован для контекстного сопоставления параллельных практик льготного кредитования в других юрисдикциях (упомянуто в блоке противоречивых данных).
- [Крупный бизнес запросил у государства поддержки для защиты от дронов](https://www.ng.ru/economics/2026-08-17/1_9561_business.html) - Применен для расширения макроэкономического контекста запросов крупного бизнеса на госучастие.
- [В России выделят 34 млн рублей на льготное кредитование сельхозпроизводителей](https://www.gazeta.ru/business/news/2025/10/30/27070316.shtml) - Использован как дополнительный источник для кросс-странового сопоставления объемов льготного кредитования.

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