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AgroBusiness Credit

You see Ukraine’s potential in the agricultural sector and you want to develop your agricultural business. If you need to purchase or repair equipment and production facilities, to buy raw materials, fertiliser, seed grains, or petroleum, oil, and lubricants (POL), then an agricultural business loan disbursed on favourable terms and conditions is exactly what you need. 

Key advantages
Flexible repayment schedule tailored to seasonal prevalence of your business
• Grace period of payment till 8 months
Flexible approach to collateral
Minimal disbursement fees; without supplementary commissions,  insurances or expenses connected with collateral – no collateral appraisal by independent experts
Possibility to establish a framework agreement for repeat loans, with no extra charge for re-registration of collateral
Setting a credit limit saves time on formalisation of loans

Loan conditions

Amount  Up to USD 1,000,000,  or equivalent
Tenor  Up to 60 months
Currency  UAH, USD, EUR
Collateral  Vehicles, equipment, working capital or products, immovable property, farm machinery, livestock, guarantee
Repayment  Equal monthly instalments, flexible repayment schedule (grace period of up to 8 months).
Extra charges • Statement from the State Register of Encumbrances
• Statement from the credit history bureau
• Notarisation
• Insurance (if required by the Credit Committee)

How to apply for an AgroBusiness loan?

To qualify for an AgroBusiness loan, your farming business must have been operating for at least one agricultural cycle and not less than six months.

Before submitting your loan application, please make sure that you know exactly:

  • how much you wish to borrow;
  • what you intend to use the loan for;
  • how much you can afford to pay back each month.

Documents needed for an AgroBusiness loan:

For sole proprietors:

  1. Passport.
  2. Individual Taxpayer Identification Number on the Tax Administration’s Certificate.
  3. Documents relating to the proposed collateral.

For legal entities

  1. Certificate of State Registration.
  2. Latest version of the founding documents.
  3. Certificate of Registration with the Administration of Statistics.
  4. Certificate of Registration of the Legal Entity with the State Tax Administration (Form 4-ОПП).
  5. Financial Statements: Balance Sheet (Form №1) and Profit and Loss Statement (Form №2) as of the latest reporting date, stamped by the statistics office. 
  6. Title deeds for proposed collateral.
  7. Title deed for manufacturing facilities where equipment and property offered as collateral is located.
  8. Land title deed.
  9. Land lease agreement.