Current needs financing

Full production cycle from production growing till sales of products is financed.

Using bank loan for current needs, you have the opportunity to:

  • freely plan time for purchase of seeds, plant protection means, fertilizers, using discounts from suppliers
  • buy higher quality materials and increase personal income
  • receive help of managers related to planning your expenses and income throughout the season and reduce the cost of banking services

You are the one, who chooses the optimal instrument for financing the working capital you realize yourself, and the Bank establishes general limit and allows you to decide, which product will be the most convenient.

We understand that the main value of production – time, so we try to customize all our products, so that you could get them exactly when it is most relevant.




It is a credit line for financing of current expenses for production purposes.


  • agromanager together with the client determine the necessary and optimal amount of funding
  • clear and simple list of documents is used
  • following each production period, the Bank confirms financing under the simplified and compact procedure
  • there is possibility not to pay interest during the period before harvest
  • repayment schedule includes the specific situation of each client


  • amount – up to 70% of the total cost for the season
  • period - up to 18 months
  • loan repayment schedule – customized for each client
  • payment of interest - within the period of income receipt from the sale of the crop
  • pledge - equipment, vehicles, real estate
  • blank financing - an opportunity to get a loan without collateral up to UAH 1,000,000
  • cost of financing - from 21% per annum
  • affiliate credit programs for working capital to agribusiness (crop protection products, seeds, fertilizer, etc.)


  • address to your agro manager in the region and coordinate the time of his arrival to you
  • calculate together with your manager the necessary amount and receive the preliminary confirmation of the conformity of the amount to the bank requirements
  • provide your manager with all the necessary data related to your enterprise
  • receive the final decision on the loan
  • sign all the documents required




This is the financial tool, which allows you to work with major suppliers of consumables with grace period and to save on bank interests.

Having made use of bill avalization, you obtain funding of your needs in form of working capital at the best price. The grace is given to you by the supplier of crop protection products and seeds, and payment for the purchase of materials in the future is guaranteed by the Bank.


  • the limit of bill avalization is established simultaneously with the limit on working capital, you do not have to apply for it separately
  • the Bank will assist in the coordination with the vendor on bill of exchange usage and will simplify the receipt of the products


  • the grace in payment of supplies is charged by 4% per annum
  • using the bill you can purchase even exclusive items or seeds and you won't waste your working capital for this


  • contact your supplier and inform on your desire to pay by means of bill
  • call your personal agro manager and agree on the amount and period of the particular delivery for registration of bill and its avalization
  • sign the documents with provider, submit the bill and receive the item


Contact details of managers

  • Kyiv, Vinnytsia, Cherkasy, Zhytomyr regions:
    Ginailo Sergey, 068 594 20 73
  • Kharkiv, Sumy regions:
    Torianyk Andrii, 067 622 54 88, 066 953 96 77
    Polyovyk Anna, 050 966 49 23
  • Poltava, Kropyvnytsk regions:
    Vasetskyi Vitalii, 050 647 94 38
  • Dnepropetrovsk, Zaporizhzhia regions:
    Pidhornyi Mykola, 099 775 63 74, 067 687 25 73
    Alyoshin Alexander, 099 776 56 78
  • Mykolaiv, Kherson regions:
    Radik Andriy 098 362 16 99
    Demchuk Andriy 099 205 54 02
  • Odessa region:
    Kostkevich Viktoria 095 044 15 84
  • Chernihiv region:
    Tishkovets Elena, 050 356 53 62, 096 255 33 56
    Djevaga Kateryna, 099 759 05 49