Financing that follows the season
Agriculture loans
Financing that follows the season
Agriculture loans
From one season to the next, keep your farm moving forward
We understand the specifics and seasonality of the agricultural business. To help your farm grow and modernize, we offer flexible financing solutions – from equipment leasing and investment loans to direct payment advances.
Target audience
Farmers
Agricultural companies
Rural business entities
Agriculture Loan Terms & Eligibility Criteria
| Overview | |
| Purpose | Machinery and equipment leasing, purchasing of land and buildings, working capital, and National Paying Agency subsidy advances |
|---|---|
| Minimum amount | From €50,000 to €3500 000 |
| Term | Up to 20 years; up to 7 years for leasing; up to 12 months for working capital and subsidy advances |
| Repayment schedule | Customized, aligned with harvest times and subsidy payouts |
| - | |
| Interest rate | From 4.5% + EURIBOR |
Agricultural loan calculator
Loan type
Financing amount
Financing term (months)
Annual interest (+ 2.24% EURIBOR)Enter the bank’s fixed margin. The total interest rate equals the margin plus the current 12-month EURIBOR. The EURIBOR used here is an estimated monthly value and may differ slightly from the rate applied at contract signing.
Grace period
Balloon
Monthly payment
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Administration fee
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Calculator is used for informational purposes only - final terms depend on submitted documents and the bank's decision.
Choose the best financing option for your farm
Financing against direct subsidies
Access working capital without waiting for National Paying Agency subsidies to be disbursed and without pledging additional assets. We finance up to 90% of direct subsidies.
Farm investment financing
Purpose: land purchase, construction of production premises or warehouses, acquisition of other long-term assets. Repayment schedule up to 20 years.
Working capital financing
Ensure your farm's liquidity during any season. Financing is designed to cover daily operational expenses, such as seeds, fertilizers, fuel, and more.
Fill in the application
Complete the application below. It only takes a few minutes to start your financing request.
Frequently asked questions
We’re happy to help you choose the right plan. Check out our FAQs for answers to the most common questions.
No, no additional real estate or machinery needs to be pledged. The primary security is the NPA direct subsidy payments themselves.
Yes, we finance both new and used machinery and equipment (tractors, combines, implements, dryers, etc.). The key requirement is that the equipment is in good working condition and helps boost your farm's efficiency.
We evaluate each situation individually. If you have other assets that are not pledged to another bank or utilize state or EU guarantee schemes, the down payment requirement can be reduced or structured through alternative means.
We aim to keep the process as simple as possible. Typically, we request financial statements from the last 1–2 years, NPA application or declared crop data, and bank account statements.
Yes, we fully understand that your primary income is generated after the harvest or upon receiving subsidy payments. We offer flexible repayment schedules tailored to your farm's cash flow, for example, making principal payments annually or quarterly rather than monthly.
You don't have to wait for the NPA to transfer funds to your account, you can receive up to 90% of your projected subsidy amount now and use it for your farm's operations. The loan is automatically repaid once the NPA transfers the subsidies to your SME Bank account.
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