The full production cycle for growing products is financed until its sale.
Using a bank loan for current needs, you can:
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reely plan the time for the purchase of seeds, plant protection products, fertilizers, taking advantage of discounts and discounts from suppliers
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buy better materials and increase your income
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get help from bank managers in planning your expenses and income during the season and reduce banking costs
You choose the optimal instrument for financing working capital yourself; the bank sets a general limit for you and allows you to decide which product will be convenient.
We understand that the main value of production is time, so we try to customize all our products so that you can receive them exactly when it is most relevant.
AGRICULTURE
This is a loan or line of credit to finance current expenses for production purposes.
Please note: the bank can offer a comprehensive approach and set a general credit limit, including for the purchase of equipment and for current needs.
It's simple and convenient:
- agromanager together with the client determine the necessary and optimal amount of financing
- a simple and clear package of documents is used
- every next production season, the bank confirms financing according to a simplified and accelerated procedure
- the repayment schedule takes into account the specifics of the situation for each client
Funding conditions:
- the amount is up to 70% of the total expenses for the season
- term - up to 18 months
- loan repayment schedule - individual for each client
- payment of interest - monthly
- collateral - agricultural and special machinery, equipment, vehicles, real estate
- partner lending programs for the purchase of working capital for agribusiness
5 SIMPLE STEPS TO OBTAIN CREDIT:
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ontact the agricultural manager in your region and agree on the time of his arrival to you
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calculate the necessary amount with the manager and receive preliminary confirmation of the compliance of the amount with the requirements of the bank
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provide the on-site manager with the necessary data for your company
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get a final loan decision
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sign the necessary documents
BILL AVALIZATION
This is a financial instrument that allows you to work with suppliers of basic supplies with deferred payment and save on bank interest.
Using the bill avalanche service, you receive financing of your working capital needs at the best price. The deferral is provided to you by the supplier of plant protection products, seeds, and the bank guarantees payment for the materials you purchased in the future.
HOW DOES IT WORK:
- 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
IT IS PROFITABLE:
- 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
INTERESTED IN THE OFFER?
- 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