Financing for investments and development of agricultural businesses

The Agro Business loan is designed for agribusiness entities seeking to modernize, expand, or develop their production capacities.

Who it is for

Applications are open to agribusiness entities that:

• are residents of the Republic of Moldova;
• are engaged in agricultural production, processing, marketing of agricultural products, or provision of agricultural services;
• own or lease agricultural land and/or agricultural machinery and equipment;
• have at least one completed agricultural cycle of experience;
• do not have a negative credit history.

Purpose of financing

The financing may be used for:

• investments in machinery, equipment, mechanisms, and vehicles;
• construction, acquisition, repair, or modernization of business-related premises;
• reconstruction and modernization of production processes;
• implementation and development of new technologies;
• refinancing existing loans contracted with other banks, provided there are no outstanding arrears.

Main conditions

• Loan amount: from 100,000 MDL (or equivalent);
• Currency: MDL, EUR (linked to EUR);
• Loan term: up to 60 months;
• Loan disbursement: in full or in tranches.

Collateral and loan security

The loan is granted with one or more forms of security:

• collateral covering 100% of the loan amount (real estate, machinery, equipment, agricultural machinery, vehicles);
• ODA guarantee (up to a maximum of 50% of the total collateral value);
• surety provided by the company’s founders (participation share ≥ 20%).

Repayment and payment terms

• repayment may be made monthly or seasonally;
• installments may be equal or differentiated;
• interest and applicable fees are payable monthly or seasonally;
• a customized repayment schedule is agreed jointly with the client, taking into account the specifics and seasonality of agricultural activities.