In 2025, small and medium enterprises (SMEs) in Ukraine are showing increased activity in attracting credit resources. Financial institutions note that entrepreneurs are increasingly utilizing borrowed funds to develop their companies, adapting to the new economic challenges of wartime.
This is reported by Business • Media
Main Areas of SME Credit Utilization
The largest share of credit funds from joint programs this year is directed towards investments in road transport, accounting for 35% of the total volume. Entrepreneurs primarily focus on acquiring trucks, trailers, as well as commercial vehicles for passenger and freight transportation.
The second most important group of assets is production equipment, which receives 30% of all issued loans. This includes modern machines, tools, automated production lines, and equipment for processing various materials – from metal to plastic. This segment has shown the greatest growth in 2025. Bankers attribute this increase to the rising demand for dual-purpose goods.
Investments in the Agricultural Sector and Services
The share of loans directed towards the acquisition of agricultural machinery is about 20%. This indicates that the agricultural sector remains one of the key areas for the development of small and medium businesses in Ukraine.
Additionally, the share of investments in the services sector has remained stable over the past two years, accounting for about 15% of the total lending volume. Enterprises are investing in the development of service areas, which allows them to diversify their business and provide additional sources of income even in challenging economic conditions.
“Businesses invest in what works, what generates income, and allows for scaling even in difficult times,” experts say.