PJSC "Idea Bank" reported that, on the results of the first 9 months of 2026, its loan portfolio to entrepreneurs grew by 46,5%.
Portfolio and demand for financing
Marina Holovanova, Director of the Department for Business Clients at Idea Bank, noted that demand for financing from small businesses in 2026 remains high. According to her, the bank continues to provide loans for companies’ current needs and development.
Holovanova also said: "If on the banking market more broadly we see today an almost complete winding down of quick-finance programmes or even a radical tightening of requirements for the smallest borrowers, then at Idea Bank small businesses are currently receiving the funds they need for development. Demand for financing from small businesses in 2026 remains high", explained Marina Holovanova, Director of the Department for Business Clients at Idea Bank.
Terms of the main loan product
One of the bank’s core products for small businesses is "First credit with Idea" (“First credit with Idea”) with a maximum amount of up to 1 mln UAH. Among the terms of this loan the bank named a one-off commission of 1,1% and a monthly commission of 2,2%.
The bank offers this product to new clients - individual entrepreneurs (FOP) with business registration longer than 12 months; if the business has been operating for less than a year, a microloan of up to 500,000 UAH with an annual rate of 67,5% is offered. "If the business has been operating for less than a year, we offer a microloan of up to 500,000 UAH with an annual rate of 67,5%", said Marina Holovanova, Director of the Department for Business Clients at Idea Bank.
Purposes of loans and additional services
According to the bank, 60% of applications are for financing businesses’ current needs (purchase of fuel, equipment, repair of commercial premises); 15% are for purchasing goods and acquiring commercial vehicles; the remaining 25% are for replenishing working capital to settle with counterparties.
Most often loans are requested by entrepreneurs in retail trade of industrial goods, personal services, grocery retail, as well as restaurants, cafés, logistics, transport and individual entrepreneurs (FOP) with their own production. The bank also works with individual credit offers and automates decisions for known, identified clients: «A client already known to the bank whose credit history we can see and have checked, depending on their solvency, receives an automatic decision without the inclusion of the human factor regarding the possibility of obtaining a new loan. This applies to all of the bank’s credit products», explained Marina Holovanova.
Idea Bank also offers entrepreneurs cash and settlement services (RKO), and four RKO packages are currently available. According to the bank, in 2026 the cost of servicing business clients remained at the 2025 level.
PJSC "Idea Bank". Licence of the National Bank of Ukraine (NBU) No. 96 dated 04.11.2011. Entered in the State Register of Banks under No. 46. The bank is a participant of the Deposit Guarantee Fund for Individuals.
