Despite the need for additional financing, businesses do not see enough credit opportunities.

A study by the EBA showed that the demand for financing among micro, small, and medium-sized enterprises remains high: 59% are seeking long-term loans, and 40% are seeking short-term options. At the same time, 38% of respondents said that lending is difficult, and another 14% said that access is completely unavailable. The main barriers for businesses are high interest rates (67%), collateral requirements (43%), complex procedures (31%), and a lack of suitable products (26%).

Perhaps as a result, 44% of enterprises do not use any credit programs, and more than 33% do not seek external funding at all. The most popular programs remain working capital loans (25%), the 5-7-9% state program (21%), and unsecured overdrafts (17%). Meanwhile, entrepreneurs are striving for digitalization – 68% want to apply for loans online.

Additionally, 83% are looking for collateral-free loans. In 2025, businesses are most interested in working capital loans, participation in programs by international institutions, and continuing to attract financing through the 5-7-9% state initiative. As well, 24% do not plan to seek financing next year.