Financing Solutions
We understand that agricultural work, necessary materials, and labor in horticulture and agriculture as a whole require substantial financial support. Often, tasks are delayed, fertilization plans are not optimal, and preventive treatments are not applied properly due to lack of capital.
How can you develop and grow your business? Many of you may have had experiences with banks, some positive, others less favorable. It is well known that the bureaucracy involved in obtaining an agricultural loan discourages investors from accessing adequate financing for this sector.
Banks do not fully grasp the specifics of each crop and, more critically, lack comprehensive knowledge about agriculture, a field that concerns us deeply. Agricultural investors often do not understand all the banking procedures, why so many documents and checks are necessary, and end up with negative responses. Even when a positive response is given, it comes with numerous conditions that make accessing the loan nearly impossible. High interest rates, usage and non-usage fees, insurance costs, mortgage expenses—all these factors make you question whether it is worth assuming this additional risk, on top of the inherent risks of your agricultural business.
At our company, we understand the unique financial needs of farmers and agricultural businesses. That’s why we offer a range of flexible financing solutions to support your operations and help you achieve sustainable growth.
Crop Financing
Our crop financing program provides access to working capital to cover the costs of seeds, fertilizers, crop protection products, and other input expenses. We offer competitive rates and repayment terms aligned with your crop cycle, ensuring you have the resources you need when you need them most.
Equipment Financing
Whether you’re looking to purchase new machinery or upgrade existing equipment, our equipment financing options make it easier to acquire the tools you need to boost productivity and efficiency. We offer lease and loan options with favorable terms tailored to your specific requirements.
Operating Lines of Credit
To help you manage your cash flow and meet ongoing operational expenses, we offer operating lines of credit with flexible repayment terms. This ensures you have access to the working capital you need throughout the growing season and beyond.
Our team of agricultural finance experts will work closely with you to understand your unique needs and develop a customized financing solution that supports your long-term success. Contact us today to learn more about how we can help you achieve your financial goals.
Crop Financing
Credit for establishing and maintaining agricultural crops
- Cover your current farm expenses now, whether it's for extensive crops, special crops (such as potatoes or sugar beets), orchards, or vineyards.
- Access credit now for purchasing agricultural inputs (diesel, fertilizers, and pesticides), and get the cash needed for any other unforeseen expenses.
- Benefit from financing tailored to the type of crop or structure of your crop plan.
- Enjoy repayment correlated with your business's cash flow.
- Take advantage of compounded interest for long-term benefits.
Credit for a bountiful harvest
- We offer a special advance financing product for farmers who want to maximize their harvest through forward contracts for the sale of wheat, rapeseed, sunflower, corn, potatoes, or sugar beets.
- You have the opportunity to receive a credit equivalent to 70% of the value of your crop sales contract, with repayment made in a single installment at the maturity of the sales contract.
- The advance can be used according to your own needs, either for working capital or for investments in optimizing your farm and increasing productivity, without having to wait until harvest.
- To quickly obtain the money you need, we have established partnerships with the most important regional and national traders, as well as processors.
Credit for maximizing production value
- You can receive up to 80% of the market value of your wheat, rapeseed, sunflower, corn, or potato production, stored either in your own warehouses or with third parties.
- The money can be used according to the needs of your business, either to cover current expenses necessary for daily activities or for investments in the development and modernization of your farm.
Our team of agricultural finance experts will work closely with you to understand your unique needs and develop a customized financing solution that supports your long-term success. Contact us today to learn more about how we can help you achieve your financial goals.
Equipment Financing
Credit for farm modernization
- Discover a financing solution specially designed for equipping and modernizing your farms.
- You have access to funding for the purchase of machinery and agricultural equipment, equipment and facilities for livestock farms, and you can invest in modernizing storage spaces and silos.
- Additionally, by building new storage spaces, you can choose the optimal time to capitalize on your harvest.
Credit for Irrigation for a Profitable and Healthy Crop
- We know that weather in agriculture can be unpredictable, and climate change can affect the productivity of your crops.
- Through the Irrigation Credit, we offer you financing for the purchase of irrigation systems to ensure a healthy and fruitful crop.
- The credit covers all types of expenses necessary for the implementation of an irrigation system: from water supply to irrigation equipment.
- You benefit from financing of up to 90% of the project value, and the loan can be granted to your company, as well as to associations or organizations of farmers who invest together in irrigation systems.
Credit for a quick purchase of agricultural equipment
- We offer you a simple and quick solution for purchasing agricultural equipment, with no down payment and no bureaucracy, with repayment due at harvest.
- You benefit from immediate financing for agricultural equipment such as small-capacity tractors, seeders, herbicide machines, and others. The own contribution is at most the value of the VAT related to the purchased equipment or machinery.
- The approved amount is transferred directly to the supplier for the purchase of the equipment or agricultural accessories.
Credit for a farm modernized with state-of-the-art equipment
- Innovation is essential to us, and the farmer's needs are always at the forefront of our attention. Through this credit, we offer you access to the necessary financing for investments in technological, automation, and digitalization solutions for your farm.
- Easily and quickly access the credit for purchasing high-performance drones, weather stations, sensors, hardware and software equipment, as well as other innovative systems to modernize your business.
- We finance up to 90% of the investment value for a period of up to 5 years.
Our team of agricultural finance experts will work closely with you to understand your unique needs and develop a customized financing solution that supports your long-term success. Contact us today to learn more about how we can help you achieve your financial goals.
Operating Lines of Credit
Credit for any need on your farm
- We offer a line of credit to support all expenses on your farm, regardless of their nature: fixed, variable, direct, or indirect, without the need for supporting documents.
- It functions as a credit line with a limit that can be used, repaid, and then reused whenever necessary, throughout its validity period. Upon expiration, this financing facility can be extended for another 365-day cycle.
- Using a line of credit is an efficient way to manage cash flows, allowing you to make timely payments even when receipts are delayed.
Our team of agricultural finance experts will work closely with you to understand your unique needs and develop a customized financing solution that supports your long-term success. Contact us today to learn more about how we can help you achieve your financial goals.