Business loan for the purchase of energy-efficient equipment (generators and installations)

Business Lending in Ukraine today is largely aimed at modernizing production capacities and ensuring their energy independence.

In 2026, Ukraine is expanding the possibilities under the “Affordable Loans 5-7-9%” program, allowing citizens to receive funds at 0% for the purchase of specific equipment.

Such funds can only be used for equipment that meets the criteria of one of the partner banks of the credit program. To learn more, we suggest you read the article below.

Expansion of the “5-7-9” lending program: who can get a loan at 0% in 2026?

In 2026, this program remains a key tool for the financial stability of businesses in wartime conditions.

Entrepreneurs are now allowed to receive financing at an effective 0% annual interest rate (state interest rate compensation) if it is directed towards the purchase of specific equipment.

This direction is focused on:

• small, medium enterprises and individual entrepreneurs (FOP);
• businesses registered and operating in the controlled territory of Ukraine;
• companies whose ultimate beneficial owners are residents of Ukraine and have no ties with the aggressor state;
• startups registered less than 12 months ago.

Important to know! According to the terms of the credit program, priority in granting funds is given to businesses in the agricultural sector (producers of agricultural products) and processing. For more detailed information, we suggest you order a consultation with one of our specialists.

What are the main conditions for a 0% loan for energy-efficient equipment?

Lending at 0% annual interest rate for energy equipment is implemented through partner banks, which also monitor the candidate's compliance with the basic requirements.

The main loan conditions are described below:

1. maximum amount - up to 10 million UAH;
2. loan term - up to 3 years (with possibility of extension);
3. target use of funds - purchase of energy equipment.

What energy-efficient equipment can the funds be spent on?

For a business wishing to receive a 10 million UAH loan, it is necessary to find a verified supplier who can deliver the following equipment on the national market:

• energy installations (cogeneration, gas piston);
• generators (various types);
• transformer equipment.

Important to know! In general, small businesses can spend the loan funds on the payment for the purchase and delivery of equipment, however, for particularly large modernization projects, the issue of increasing the loan amount and the possibility of spending funds on installation and commissioning works can be discussed. However, in this case, the preferential terms may not be preserved.

Obtaining a loan for business to purchase generators and installations: key points

Which bank to contact?

Today, the network of partner banks of this program is maximally branched.

The candidate can submit an application to one of the 43 financial banking institutions, however, in order to save time on document preparation and ensure the prompt receipt of funds if the criteria are met, it is recommended to contact JSC "PRIVATBANK", "OSHCHADBANK", "SENS BANK", "UKRSIBBANK", "PUMB", etc.

What documents to prepare?

To receive a 0% loan for energy equipment, banks usually require a standard package of documents for the program, but with an emphasis on the targeted use of funds.

It looks as follows:

1. constituent and identification documents (extract from the Unified State Register, charter, minutes of the meeting of founders, passports of founders and ultimate beneficial owners, ownership structure);
2. financial statements (tax declaration for the last year, balance sheet, statement of financial results, statement of cash flow on accounts);
3. equipment documents (invoice, purchase and sale agreement, specification);
4. property pledge documents (technical passport, property valuation, spouse's consent, etc.);
5. business plan for energy modernization of premises.

How will our managers help you obtain a loan for a generator?

Possessing the necessary qualifications and experience, our managers will be a personal guide for the business to receive the desired loan.

They will not just submit documents at the bank's request, but also ensure the maximum probability of approval of the request and minimize the time spent.

The main services of our manager include:

• selection of the lending program/bank;
• formation of the package of documents;
• preparation of a business plan for the energy efficiency project;
• correction of documents already submitted to the bank;
• preparation for passing the interview with bank representatives;
• other relevant professional services.

Have questions? We suggest you order a consultation and find out the cost of manager support in obtaining a loan for business to purchase energy-efficient equipment, by filling out the form below.