Credits and loans

Loans for farmers

We help farmers and agricultural companies obtain the following loans.

Loans (credits) for investments

These are loans intended for acquisition of long-term property – equipment, machinery, buildings, premises, lands and bovine herd. The amount of loan can be 80–100 % of the investment value (subject to the mortgage and whether the ŽŪPGF guarantee is applied); generally, the objects being purchased are mortgaged, the loan is granted for up to 12 years and the interest rate is from 3.0 %.

Loans (credit) for investments partially financed from the EU funds

We help obtaining the loans for the implementation of EU projects: period – up to 12 years, interest rate from 3.0 %.

Loans (credits) for circulating assets

These include loans, credit lines and overdrafts intended for purchasing fertilisers, seeds, fuel and other materials or services. The loan can be extended for up to 3 years and the amount depends on the mortgage and finance at hand, with the interest rate ranging from 3.0 %.

Refinancing of loans

We help restructure the existing obligations towards banks and other finance institutions: to extend the loan period, to modify the repayment schedules in consideration of the seasonal effect and to increase the loan amount.


We help with the leasing of long-term property such as machinery, equipment and vehicles as well as immovable property. The leasing amount comprises up to 100 % of the value of the object leased, if additional mortgage is provided; the leasing period may last up to 7 years and the annual interest rate starts from 0.15 %, provided that the INVEGA loan interest compensation is applied.