Proceedings of the International scientific and practical conference ―New York Global Science Conference 2026‖ (May 18-20, 2026) / Publisher website: www.naukainfo.com. – New York, USA, 2026. - 322 p.

8 Access to financing and the right mix of investment funding sources remain among the main obstacles to the practical implementation of innovative technologies. Many companies recognize the need to modernize production, adopt digital tools, and integrate artificial intelligence into their processes, but these intentions often face a single, simple obstacle: innovation requires long-term and relatively risky investments. During periods of economic uncertainty, this problem becomes even more apparent, as investors become more cautious, banks tighten lending conditions, and the enterprises themselves often have limited internal resources. In general, optimizing the allocation and use of financial resources—both internal and external— is a cornerstone of the return on investment from implementing such innovations. Practice shows that flawed parameters for calculating the viability of an innovative project, the timing of its implementation, and the cost of the financing involved can lead to the project’s unprofitability or inefficiency. For many companies, innovation is not only a matter of competitiveness but also a matter of survival in changing market conditions. However, limited access to credit, insufficient collateral, high borrowing costs, and a lack of experience working with grants, venture capital, or international financial programs limit their ability to finance innovative projects. That is why research on current challenges in the process of mobilizing investment resources for financing innovative technologies, using Ukraine as a case study, makes a significant theoretical contribution and can be implemented in the practical activities of companies in other countries, given the geopolitical instability of certain countries and entire regions. That is why finding effective mechanisms for financing innovative technologies has become a key priority for both the business sector and economic policymakers. A more balanced mix of internal funds, bank loans, private investment, government support, grants, and international financial instruments can help companies reduce financial pressure and increase their chances of successfully implementing innovations. However, this approach requires not only access to capital but also better