Idea Bank increased the volume of loans issued to sole proprietors by 46.5% over 9 months of 2026.

Lending to small businesses remains a focus of Idea Bank's activity, as it actively issues loans to entrepreneurs to finance current needs and other purposes, and the maximum loan amount is UAH 1 million.

Based on the results of 9 months of 2026, the portfolio of loans to entrepreneurs at Idea Bank grew by 46.5%. This was reported by Maryna Holovanova, Director of the Business Client Department at Idea Bank.

“While in the banking market as a whole we are currently seeing an almost complete curtailment of fast-financing programs or even a radical tightening of requirements for the smallest borrowers, at Idea Bank small business is now receiving the funds it needs for development. Demand for financing from small business in 2026 remains high,” explained Maryna Holovanova, Director of the Business Client Department at Idea Bank.

According to her, most often loans are sought by entrepreneurs working in segments such as retail trade in industrial goods, consumer services, and retail trade in food products. Financing is also needed by restaurants and coffee shops, entrepreneurs in the logistics and transport sector, as well as sole proprietors who have their own production facilities.

“If we analyze the purposes for which bank financing is attracted, 60% of applications are for financing the current needs of business (purchase of fuel, equipment, repair of commercial premises); 15% — for the purchase of goods, acquisition of commercial vehicles. The other 25% is replenishment of working capital for settlements with counterparties,” noted Maryna Holovanova, Director of the Business Client Department at Idea Bank.

One of the basic credit products for small business today at Idea Bank is "First Credit with Idea," the maximum amount is up to UAH 1 million. "Among the loan conditions is a one-time commission of 1.1%, a monthly commission of 2.2%. This loan is offered to new clients - sole proprietors with business registration of more than 12 months. If the business has been operating for less than a year, we offer a microcredit of up to UAH 500,000 with an annual rate of 67.5%," said Maryna Holovanova, Director of the Business Client Department at Idea Bank.

According to her, currently Idea Bank is actively working with individual credit offers for clients, because the better the bank knows its client, the more favorable a credit offer it can propose. "A client already familiar to the bank and identified, whose credit history we see and have verified, receives an automatic decision regarding the possibility of obtaining a new loan in accordance with solvency, without human factor involvement. This applies to all of the bank's credit products," explained Maryna Holovanova, Director of the Business Client Relations Department at Idea Bank.

Recall that Idea Bank offers cash settlement services to entrepreneurs, and today four cash settlement packages are available for sole proprietors: "Ideal Start," "Ideal Entrepreneur," "Ideal Business," and "Ideal International." Moreover, the "Ideal Start" package provides free account opening and two months without a cash settlement service fee. In 2026, Idea Bank did not increase the cost of servicing business clients: the price of cash settlement packages remained at the 2025 level.

JSC "Idea Bank". NBU License No. 96 dated 04.11.2011. Entered in the State Register of Banks under No. 46. The bank is a participant in the Deposit Guarantee Fund for Individuals.