Agricultural Clients

ProCredit Bank offers you agro loans for any kind of purpose, with collaterals from the Guarantee Fund for Rural Loans. In addition, especially for you, we have created 2 products for working capital and for investments.

AgroFlexible – Guarantee Fund for Rural Loans

“How can I obtain a loan of EUR 150,000 for my farming activities if I do not have enough collateral?”

If you want a loan for the financing of the working capital for your agricultural business, but you do not have collaterals comparable to the amount that you need, ProCredit Bank offers you the possibility to apply for the loan guarantee through the Guarantee Fund for Rural Loans, up to 80% of the loan value.

Thus, we offer you the AgroFlexible Loan – Guarantee Fund for Rural Loans, for the funding of working capital. The loan, in an amount of EUR 30,000 - EUR 150,000, or LEI 120,000 - LEI 600,000, is granted on a period of up to 2 years and up to 80% of it is guaranteed through the Guarantee Fund for Rural Loans. You do not need a mortgage in order to cover the difference. In order to obtain the loan you need to have at least one season of agricultural experience. In addition, you can cover all your current business expenses, whether they are for seeds, fertilizers, fuel, treatments, repair works, or debts to suppliers or other current expenses.

With AgroFlexible – Guarantee Fund for Rural Loans:

• You gain timebecause it is us who handle the submission of the guarantee approval file to the Fund;
• You enjoy flexibility as to the analysis;
• You know from the beginning all the costs incurred.

Apply online

AgroInvest – Guarantee Fund for Rural Loans

“Can I receive financing of 100% for my investments in agriculture, if I do not have collaterals covering the borrowed amount?”

If you want an investment loan for your agricultural business, but you do not have collaterals comparable to the amount that you need, ProCredit Bank offers you the possibility to apply for the loan guarantee through the Guarantee Fund for Rural Loans, up to 80% of the loan value. We offer you the AgroInvest loan – Guarantee Fund for Rural Loans, which is granted on a period of maximum 15 years and up to 80% of the loan is guaranteed by the Guarantee Fund for Rural Loans. You do not need a mortgage in order to cover the difference and in order to obtain the loan you need to have at least one season of agricultural experience. With AgroInvest – Guarantee Fund for Rural Loans:

• You use your resources efficiently, as you obtain the full financing of your project;
• You renew the technologies of your business, as you invest in new equipment;
• You can choose the convenient repayment method:
  • You gain time and money for the completion of the project, through the grace period of up to 12 months or
  • You can choose to repay the entire loan in seasonal instalments (yearly, you pay 4 instalments after harvesting and you have 0 instalments for the rest of the year)
• You gain time because it is us who handle the submission of the guarantee approval file to the Fund;
• You enjoy flexibility as to the analysis;
• You know from the beginning all the costs incurred;             

Apply online