Ce este un &bdquo;credit agricol”?

Este un credit care are ca obiectiv sprijinirea sectorului agricol, punând la dispoziția producătorilor din acest sector fondurile necesare activităților curente. 🌄

Pot plăti creditul agricol după recoltă?

Da, fermierii care au culturi agricole beneficiază de flexibilitate la fixarea ratelor în funcție de sezonalitatea activității. 😃

Pentru a obține un credit agricol trebuie să garantez cu un imobil?

Garanțiile pe care le cerem diferă în funcție de mărimea creditului și de obiectul acestuia. 🙂La noi, poți garanta cu:➤⠀utilaje;➤⠀cultura agricolă; ➤⠀terenuri agricole;➤⠀stocul de cereale; ➤⠀garanții din fondul de garantare;➤⠀și imobile deținute de firme sau persoane fizice.

Cu ce pot garanta, dacă doresc să cumpăr teren agricol?

Dacă aplici pentru un credit pentru achiziția de teren, ai posibilitatea de garantare prin intermediul: ➤⠀altui teren pe care îl ai în proprietate; ➤⠀garanției fondului de garantare pentru diferență;➤⠀proprietății respective dacă aceasta este sau poate fi &bdquo;intabulată” (adică înscrisă în cartea funciară).

Agricultural Credits, Financing

Dedicated funding

You get money for setting up the farm, land or raw material.

Working capital or investments

You cover your daily expenses or invest in extensive plans.

Support until APIA payment collection

You get up to 90% of the subsidy to be collected.

Flexibility

You have a flexible repayment schedule.

Choosethe credit
agri according to

See which type of financing suits your agricultural business best.

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Agricultural investments

Funding for farm modernization
Money for long-term development projects: machinery, equipment, expansion of production capacity, etc.

Agricultural land acquisition

Do you buy the land you work on lease or do you extend it
You can refinance any land purchased in the last year and you can also put as collateral land that you buy in the next year

APIA

You support your activity when you are pressured to make payments that cannot wait for the receipt of APIA subsidies
Money for purchasing raw materials or goods, payment of salaries, utilities, taxes, suppliers or other expenses

Working capital

Capital required for the current expenses of the farm: inputs, rent, salaries, suppliers
Flexible reimbursement, adapted to the agricultural cycle

Good to know

We adapt financing according to the type of business and needs
You have flexible repayment periods
Do you have a grace period option
You have a limited number of documents for analysis

Costs Necessary documents

Agricultural financing in BT GO

Your credit, under control

See the repayment schedule directly in BT Go, track the loan's progress, and you can make early repayment when your business allows it.

Come to BT Go

Keep track of payments

See how much you have paid from the loan, see the installments, the interest and the date of the next installment.

Repayment schedule

You see it in real time and can download it when you need it.

Transaction history

You have access to all the information regarding your loan: how much you have paid, the date you took it, the amount, the remaining amount, the date your loan ends.

Early repayment

If you have administrator rights, you can initiate the full early repayment process directly from the app.

Over 30,000 farmer clients

The largest financier of Romanian agriculture

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It is a credit aimed at supporting the agricultural sector, providing producers in this sector with the necessary funds for current activities. 🌄

Yes, the farmers who have agricultural crops benefits from flexibility in setting rates depending on the seasonality of the activity. 😃

Guarantees we request differ depending on the size creditului and of its object. 🙂

With us, you can guarantee with:

➤⠀equipment;

➤⠀agricultural crop;

➤⠀agricultural lands;

➤⠀grain stock;

➤⠀guarantees from the guarantee fund;

➤⠀and properties owned by companies or individuals.

If you apply for a credit for the purchase of land , you have the possibility of guarantee through the intermediary:

➤⠀another land that you own;

➤⠀guarantee of the guarantee fund for the difference;

➤⠀of the respective property if it is or can be registered (that is, registered in the land registry).

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We are where Romania grows

Doing agriculture is not easy. You know that best, and we support you every step of the way.

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Loans for your agricultural business