In 2025, small and medium enterprises (SMEs) in Ukraine are showing a noticeable increase in attracting credit resources. Banking experts note that the volume of lending to SMEs has risen, and the structure of loans reflects current trends in the country’s economy, which is operating under martial law.
This is reported by Finway
Main Investment Directions for Credit Funds
The largest share of loans issued to SMEs through joint programs is directed towards the purchase of vehicles. This share accounts for 35% and primarily covers trucks, trailers, as well as commercial transport for passenger and freight transportation.
Manufacturing equipment ranks second in popularity among investment directions: 30% of all SME loans are used for the acquisition of machines, tools, automated production lines, and other technological equipment for processing metal, wood, or plastic. This segment is particularly dynamic in 2025 due to the growing demand for dual-purpose equipment.
Investments in Agriculture and the Service Sector
Approximately one-fifth of the credit funds of small and medium enterprises—20%—are invested in agricultural machinery. This indicates a stable interest of SMEs in the agricultural sector even in challenging economic conditions.
Another 15% of loans are directed towards the development of services. Experts note that this share has remained stable over the past two years, reflecting the gradual strengthening of the Ukrainian service market.
“Businesses invest in what works, what generates income, and allows for scaling even in difficult times,” say the specialists.