Updated Rules For Protfolio Based State Guarantees For Micro, Small And Medoium Businesses

On 11 August 2026, the Decision of the Cabinet of Ministers of Ukraine on Improving the Procedure for Providing State Guarantees on a Portfolio Basis for Micro, Small and Medium-sized Enterprises (MSMEs) has been entered into force.

Impact of the Decision

• reliable instrument for banks and borrowers;
• better protection for state budget funds;
• fair requirements for loans: criteria for the initial inclusion of a loan in the portfolio have been supplemented; 
• responsible lending: a period has been established during which a borrower will not be eligible for new state guarantees if a guarantee event has arised on their previous loan; 
• clear procedures for banks: the process for forming and managing portfolios under the 50/70 and 80/80 schemes has been detailed in the event that the estimated volume of guarantees exceeds the limit for either arrangement;