According to the results of a study by the European Business Association, the demand for financing among Ukrainian micro, small, and medium enterprises remains high. Specifically, 59% of such companies are seeking opportunities for long-term loans, while 40% are interested in short-term financing. However, a significant portion of entrepreneurs faces difficulties accessing credit resources: 38% of respondents find the lending process complicated, and another 14% deem it completely inaccessible.
This is reported by Business • Media
Key Barriers to Obtaining Financing
Among the main obstacles to attracting funds, businesses highlight high interest rates (67%), strict collateral requirements (43%), complicated application procedures (31%), and a lack of suitable banking products (26%). At the same time, 44% of surveyed enterprises do not utilize any credit programs, and more than a third (33%) do not engage external financial resources at all.
“The demand for financing among micro, small, and medium enterprises remains high: 59% are seeking long-term funds, and 40% are looking for short-term ones. Meanwhile, 38% of respondents described lending as complicated, and another 14% found it completely inaccessible.”
Business Advantages and Expectations in 2025
The most popular credit products among Ukrainian businesses remain working capital loans (25%), the state program “5-7-9%” (21%), and unsecured overdrafts (17%). At the same time, entrepreneurs are increasingly striving for digitalization: 68% would like to apply for loans online. Even more companies (83%) are seeking credit offers without collateral, highlighting the demand for more flexible and accessible financial solutions.
In 2025, businesses show the greatest interest in working capital loans, participation in programs of international financial institutions, and continued funding through the state initiative “5-7-9%”. Meanwhile, 24% of enterprises do not plan to seek external financing over the next year.