Agricultural Clients

AgroSeasonal

“I currently have expenses for crop preparation, but I will only have incomes at harvesting time. What financing solution does ProCredit Bank offer me?”

ProCredit Bank offers you a loan of up to EUR 30,000 / LEI 120,000, over a period of up to 4 years, and you pay your instalments only in those months when you have incomes. You have the money from the loan at your disposal for any financing need. In order to obtain this loan, you need to have at least one season of experience in agriculture. With the AgroSeasonal loan:

• You secure your resources for seeds, fertilizers, fuel, plant treatments, repair works;
• You can buy animals for breeding, milk or meat;
• You can make the desired investments in solaria, greenhouses, warehouses, etc.
• You purchase equipment.

In addition:

• It is easier for you to manage your liquidities because you receive the money when you need it and you pay after harvesting;
• You have 0 instalments in those periods when you have no income;
• You enjoy flexibility for loan guarantee: we accept any king of collateral, depending on the specificity of the business and the lending period;
• You have flexibility when it comes to using your funds;
• You know from the beginning all the costs incurred.

AgroFlexible

“I want the bank to understand the needs of my business. What financing solutions does ProCredit Bank offer me?”

At ProCredit Bank you talk to professionals specialized in funding agricultural businesses. So, we offer you a loan with a maximum maturity of up to 10 years (depending on the amount and the collaterals), which grants you maximum flexibility in financing your agricultural business, both for working capital and for investments. In order to obtain this loan, you need to have at least one season of experience in agriculture. For more freedom in using the funds, you can either cover the expenses related to the setup and maintenance of the crop, or invest in tools, animals, irrigation equipment, buildings, solaria etc.

In addition:

• It is easier for you to manage your liquidities because the repayment plan is adjusted to your needs:
  • You can apply for a grace period (total grace: 6 months; standard grace: 9 months)
  • You can make the repayments in seasonal instalments (the payment in 4 instalments after harvesting and 0 instalments for the rest of the year).
• You enjoy flexibility as to the guarantee conditions: we accept any king of collateral, depending on the specificity of the business and the lending period;
• The loan can be also covered partially with collateral from the Guarantee Fund for Rural Loans;
• You know from the beginning all the costs incurred