Bank loans and non-bank financial services have different terms of use
Ukrainian importers often face cash gaps due to the long cycle of product supply from foreign manufacturers. To maintain operations, companies use bank lending, government programs, or financial company services. This was reported by Delo.ua citing the National Bank of Ukraine, according to the portal PromPolitInform.
The import process spans the time from prepayment to a supplier to the point of sale to the final consumer, which can take over three months. During this period, significant funds are frozen in the cost of the shipment, logistics expenses, and customs clearance, which requires attracting additional capital.
Bank lending mechanisms
Corporate clients with a stable financial history most often choose bank credit lines. According to the regulator, the corporate hryvnia lending sector showed active growth throughout 2025. However, such an instrument is not always flexible, as banks primarily evaluate the company’s overall solvency and require collateral.
State support and the non-bank sector
The Affordable Loans 5-7-9% program remains relevant in 2026, but its focus has shifted to investment projects, and limits on working capital for non-priority areas are capped at UAH 5 million. At the same time, the popularity of non-bank financing, which specializes in specific invoices, is growing.
Although the cost of non-bank services may be higher, they allow for financing individual transactions without providing classical collateral. Lenders in this segment analyze the supplier’s reliability, the regularity of deliveries, and demand for specific goods in detail. According to National Bank of Ukraine statistics, the volume of loans from financial companies grew by 62% year-on-year in the fourth quarter of 2025.
Photo: Delo.ua
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