The maximum financing amount for small businesses within the program is 1 million UAH
Idea Bank has increased its small business lending by 46.5% over the first three quarters of 2026. The financial institution continues to provide loans to entrepreneurs for amounts of up to 1 million UAH. This was reported by RBC-Ukraine (Наталія Гурковська) citing Maryna Holovanova, according to the portal PromPolitInform.
Throughout the current year, Idea Bank has focused on supporting small businesses by offering financial instruments for operational needs and business development. Over the reporting period, the institution’s loan portfolio showed rapid growth, despite a general trend in the banking market toward restricting quick financing.
Demand Features and Sectoral Priorities
Representatives of the retail sector, including food and industrial goods, show the most activity in obtaining borrowed funds. High demand for financing is also noted in services, logistics, the restaurant industry, and small manufacturing enterprises.
An analysis of applications shows that 60% of resources are directed toward current operations, such as facility repairs, equipment acquisition, or fuel. The remaining capital is distributed between purchasing goods, acquiring commercial vehicles, and settling accounts with counterparties.
Credit Products and Digitalization of Decisions
The main product for new borrowers is “First Credit with Idea” with a limit of up to 1 million UAH. For businesses operating for less than a year, micro-loans of up to 500,000 UAH are available at an annual rate of 67.5%.
The bank is implementing automated assessment systems that allow regular clients to receive lending decisions without staff intervention. Identified entrepreneurs who already have a cooperation history with the bank undergo solvency checks in a semi-automated mode.
Settlement and Cash Services
In addition to lending, the institution supports comprehensive settlement and cash services for individual entrepreneurs. Throughout 2026, tariffs for settlement and cash service packages remained unchanged and are consistent with the 2025 level.
Currently, four tariff plans are available to entrepreneurs, including “Ideal Start” with preferential account opening and service conditions. The bank continues to develop an individual approach to each client, minimizing barriers to capital access.
Photo: RBC-Ukraine
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