What is it?
The Agri campaign loan is a short-term facility that helps you cover most of the expenses generated by the agricultural campaign (eg: seed purchases, irrigation works, fertilizer purchases, etc.). So you can focus on what's most important: a successful campaign, for rich harvests!
- For whom? Farmers who meet the eligibility conditions set by the bank;
- Currency: LEI;
- Credit period: maxim 18 months;
- Grace period: up to 18 months for the capital and interest;
- Reimbursement: flexible, correlated with the time of harvesting and production capitalization, both for principal and for interest, at the terms agreed with the client according to the activity psecifics - it can be set up to three months after harvesting;
- High level of financing: up to 900 EURO/hectare
How does it help me?
Advantages
- Continuity in carrying out the current activity;
- Fluidization of payments;
- Covering the temporary lack of available funds;
- Vista Bank's team of Agri specialists helps you choose the most suitable financing and guarantee solutions for your farm;
- Flexible collateral mix, primarily based on future crops;
- The loan repayment is established together with the bank, based on cultures structure, harvesting time and production capitalization.
How do I get it?
The loan is addressed to farmers with over 250 hectares worked, with at least 2 years of experience and organized as SRL, SA, Agricultural Society, Agricultural Cooperative.
A minimal set of documents is required to access the Agri campaign loan:
- Last APIA payment decision;
- Last IPA Online application submitted;
- Credit application;
- Financial documents for the last two completed years (balance sheet, trial balances).
The loan is granted based on the financial analysis and the fulfillment of the eligibility conditions, according to the bank's policies.
If you are interested in the Agri campaign loan, please fill out the form below and we will contact you as soon as possible:
What is it?
The loan for the prefinancing APIA subsidies is a short-term facility that helps you cover the current capital shortfall until you collect the APIA subsidies. At Vista Bank, you can get the loan very early, even from the moment you draw up the Online IPA Application (project form).
- For whom? Farmers from vegetal sector who meet the eligibility conditions set by the bank;
- For what? To cover current expenses (eg: seeds, fertilizers, agricultural works, salaries, rent, taxes, etc.);
- Currency: LEI;
- Maximum amount: up to 100% of the last payment decision;
- Early funding: The earliest form of pre-financing APIA subsidies for the current year, even before submitting the IPA Online application;
- Loan period: until the subsidies related to the current year's campaign are received, but no later than next year’s June.
How does it help me?
Advantages
- Can be used without supporting documents after approval;
- Continuity in carrying out the current activity;
- Fluidization of payments;
- Covering the temporary lack of available funds;
- Vista Bank's team of Agri specialists helps you choose the most suitable financing and guarantee solutions for your farm;
- The main guarantee is represented by the future amounts to be collected from APIA.
How do I get it?
The loan is addressed to farmers with over 250 hectares worked, with at least 2 years of experience and organized as SRL, SA, Agricultural Society, Agricultural Cooperative.
A minimal set of documents is required to access the Loan for prefinancing APIA subsidies:
- Last APIA payment decision;
- Last IPA Online application submitted;
- Credit application;
- Financial documents for the last two completed years (balance sheet, trial balances).
The loan is granted based on the financial analysis and the fulfillment of the eligibility conditions, according to the bank's policies.
If you are interested in the Loan for prefinancing APIA subsidies, please fill out the form below and we will contact you as soon as possible:
What is it?
The overdraft is a credit for current activity granted in the medium term (up to 5 years), attached to your company current account, with the aim of covering the need for working capital (bill payments, inputs, salaries, etc.)
- For whom? Farmers who work at least 250 hectares and bring agricultural land as a guarantee;
- Currency: LEI;
- Loan period: up to 5 years.
- Reimbursement: The interest is paid monthly, and the principal at maturity.
How does it help me?
Advantages
- Continuity in carrying out the current activity;
- Fluidization of payments;
- Covering the temporary lack of available funds;
- Vista Bank's team of Agri specialists helps you choose the most suitable financing and guarantee solutions for your farm;
- Flexible collateral mix, primarily based on agricultural land;
- Reduction of interest expenses, considering the attachment of the credit limit to the current account.
How do I get it?
The loan is addressed to farmers with over 250 hectares worked, with at least 2 years of experience and organized as SRL, SA, Agricultural Society, Agricultural Cooperative.
A minimal set of documents is required to access an Overdraft:
- Last APIA payment decision;
- Last IPA Online application submitted;
- Credit application;
- Financial documents for the last two completed years (balance sheet, trial balances).
The loan is granted based on the financial analysis and the fulfillment of the eligibility conditions, according to the bank's policies.
If you are interested in obtaining an Overdraft, please fill out the form below and we will contact you as soon as possible:
What is it?
It is a treasury loan (credit for working capital) that can be granted either as a line of credit or as an installment loan, for a maximum period of 36 months, without extension, under the government's RURAL INVEST program.
- For whom? Farmers working at least 250 hectares who meet the eligibility conditions set by the bank;
- Currency: LEI;
- Maximum amount: 5 million LEI;
- Loan period: maximum 3 years;
- Reimbursement:
- The interest is paid according to the repayment schedule established together;
- The principal is paid either at maturity (in the case of the credit line) or at mutually agreed dates.
- Purpose:
- supply/ production/ sales expenses;
- expenses for works execution and/or services provision;
- costs of establishment/ processing/ capitalization of stocks;
- maintenance expenses, current repairs of work spaces/ offices/ work points;
- other types of expenses necessary to carry out the current activity;
- salary and similar expenses;
- rent/utility expenses;
- payment of taxes/fees/contributions/other amounts due to the general consolidated budget;
- other operating costs.
- ATTENTION: Refinancing expenses are not eligible.
- Costs: standard
- Interest rate: ROBOR 3M+ 1.90%;
- ZERO fees for loan analysis, grant, management or early repayment.
How does it help me?
Advantages
- Reduced costs, capped by the program
- Continuity in carrying out the current activity;
- Fluidization of payments;
- Covering the temporary lack of available funds;
- Vista Bank's team of Agri specialists helps you choose the most suitable financing and guarantee solutions for your farm;
- Flexible collateral mix, primarily based on the financed good.
How do I get it?
The loan is addressed to farmers with over 250 hectares worked, with at least 2 years of experience and organized as SRL, SA, Agricultural Society, Agricultural Cooperative.
A minimal set of documents is required to access the Working capital loan via RURAL INVEST:
- Last APIA payment decision;
- Last IPA Online application submitted;
- Credit application;
- Financial documents for the last two completed years (balance sheet, trial balances).
The loan is granted based on the financial analysis and the fulfillment of the eligibility conditions, according to the bank's policies.
If you are interested in the Working capital loan via RURAL INVEST, please fill out the form below and we will contact you as soon as possible:
What is it?
Special loan intended to finance current expenses generated by agricultural activity (for example: purchase of fertilizers and other inputs) provided by NATUREVO for agricultural companies, SRL, SA.
- For whom? Farmers who meet the eligibility conditions set by the bank;
- Credit amount: up to EUR 300,000 (in LEI equivalent) - determined by mutual agreement, depending on the farm needs;
- Loan currency: LEI;
- Grace period: up to 12 months for capital;
- Method of use: 1 or 2 draws (eg 1 draw for the inputs related to the autumn campaign and 1 draw for the inputs related to the spring campaign);
- Reimbursement: at the final maturity, established according to the activity specifics, correlated with the period of harvesting and capitalization of vegetal production;
- Simple guarantee scheme: mortgage on accounts, fiduciary contract and, on a case-by-case basis, mortgage on crops together with future stocks, receivables resulting from their sale.
How does it help me?
Vista Bank and Naturevo, strategic partnership for the benefit of professional farmers:
- The interest is partially subsidized by Naturevo;
- Fast pre-approval, in a maximum of 48 hours, based on simplified documentation;
- Reduced guarantee scheme;
- Continuity in carrying out the current activity;
- Fluidization of payments;
- Covering the temporary lack of liquidity;
- The capital guarantee period is correlated with the activity specifics;
- The loan repayment dates are established together with the client, depending on the agricultural activity specifics;
- Consultation provided by Vista Bank specialists on choosing the most suitable financing and guarantee solutions for your farm;
- Consultancy and technical solutions provided to farmers through Naturevo specialists.
How do I get it?
A minimal set of documents is required to access the Vista Bank – Naturevo partnership loan:
- Last APIA payment decision;
- Last IPA Online application submitted;
- Credit application;
- Financial documents for the last two completed years (balance sheet, trial balances).
The loan is granted based on the financial analysis and the fulfillment of the eligibility conditions, according to the bank's policies.
If you are interested in the Vista Bank – Naturevo partnership loan, please fill out the form below and we will contact you as soon as possible:
What is it?
The loan for agricultural land acquisition is the perfect solution if you want to expand the areas available to your company, so as to increase and optimize your productions.
- For whom? Farmers who meet the eligibility conditions set by the bank;
- For what? It is used for the purchase or refinancing of agricultural land, including those unlisted in the land register;
- Currency: LEI or EURO;
- Maximum amount: 90% of the land value: established as the minimum between the market value and its purchase value;
- Own contribution: minimum 10%;
- Loan period: maximum 15 years;
- Grace period: up to 12 months;
- Reimbursement: flexible rates, establisehd together with the client, according to the company’s revenues.
How does it help me?
Advantages
- Supports the acquisition of agricultural land that cannot be achieved entirely from own sources;
- Long-term repayment period;
- Long grace period, to ease the impact of cost with the land registration in the company's budget;
- The loan repayment terms are established together with the client, depending on the company's earnings;
- Vista Bank's team of Agri specialists helps you choose the most suitable financing and guarantee solutions for your farm;
- Flexible collateral mix based primarily on real estate mortgage on purchased land OR, in the case of unregistered land, on real estate mortgage on other lands that meet the bank’s conditions on guaratees.
How do I get it?
The loan is addressed to farmers with over 250 hectares worked, with at least 2 years of experience and organized as SRL, SA, Agricultural Society, Agricultural Cooperative.
A minimal set of documents is required to access the Loan for agricultural land:
- Last APIA payment decision;
- Last IPA Online application submitted;
- Credit application;
- Financial documents for the last two completed years (balance sheet, trial balances).
The loan is granted based on the financial analysis and the fulfillment of the eligibility conditions, according to the bank's policies.
If you are interested in the Loan for agricultural land acquisition, please fill out the form below and we will contact you as soon as possible:
What is it?
The loan for the acquisition of agricultural equipment and machinery supports you in making investments in re-technology, to always maintain your competitive advantage and achieve the desired productions.
- For whom? Farmers who meet the eligibility conditions set by the bank;
- For what? It is used for the purchase of new and second-hand agricultural equipment and/or machinery;
- Currency: LEI or EURO;
- Maximum amount: 90% of the value of the purchased good, without VAT;
- Advance payment: minimum 10%;
- Loan period: maximum 10 years for investments > EUR 300,000 (or LEI equivalent), respectively maximum 7 years for investments <= EUR 300,000 (or LEI equivalent);
- Grace period: up to 12 months;
- Reimbursement: Interest and principal payable monthly based on a personalised repayment schedule.
How does it help me?
Advantages
- Supports the purchase of agricultural machinery and equipment that cannot be made from own sources;
- Loan repayment is established together with the bank, depending on the farm activity specifics;
- Allows the recovery of cash flows due to the long-term repayment period;
- Vista Bank's team of agricultural specialists helps you choose the most suitable financing and guarantee solutions for your farm;
- Flexible collateral mix, usually based on real estate mortgage on the purchased property.
How do I get it?
The loan is addressed to farmers with over 250 hectares worked, with at least 2 years of experience and organized as SRL, SA, Agricultural Society, Agricultural Cooperative.
A minimal set of documents is required to access the Loan for agricultural equipment and machinery, new and second-hand:
- Last APIA payment decision;
- Last IPA Online application submitted;
- Credit application;
- Pro-forma invoice of the equipment/machinery for which financing is requested;
- Financial documents for the last two completed years (balance sheet, trial balances).
The loan is granted based on the financial analysis and the fulfillment of the eligibility conditions, according to the bank's policies.
If you are interested in the Loan for agricultural equipment and machinery, please fill out the form below and we will contact you as soon as possible:
What is it?
It is an investment loan, for a maximum period of 72 months, within the government program RURAL INVEST.
- For whom? Farmers who work at least 250 hectares and meet the eligibility conditions set by the bank;
- Currency: LEI;
- Maximum amount: 10 million LEI
- Credit period: maximum 6 years;
- Reimbursement:
- The interest and principal are paid on the installments due dates, established by mutual agreement, in correlation with the period of harvesting and capitalization of the production;
- Destination:
- purchase of equipment/ machines/ machinery/ means of transport/ other fixed assets, including VAT;
- acquisition of intangible assets related to software investment/program licenses/patents, including VAT;
- purchase of spaces for production / services/ commercial, land for construction/ agriculture, including VAT;
- construction of spaces for production /services/commercial;
- expenses of capital repairs, modernization of work spaces/ offices/ work points;
- other expenses related to the investment plan, including VAT.
- ATTENTION: refinancing expenses are not eligible.
- Costuri: standard
- Interest rate: ROBOR 3M+ 1.90%;
- Zero fees for analysis, granting, management or early repayment.
How does it help me?
Advantages
- Reduced costs, capped by the program
- Achieving investment objectives;
- Vista Bank's team of Agri specialists helps you choose the most suitable financing and guarantee solutions for your farm;
- Flexible collateral mix, primarily based on the financed object.
How do I get it?
The loan is addressed to farmers with over 250 hectares worked, with at least 2 years of experience and organized as SRL, SA, Agricultural Society, Agricultural Cooperative.
A minimal set of documents is required to access the Investment loan via RURAL INVEST:
- Last APIA payment decision;
- Last IPA Online application submitted;
- Credit application;
- Financial documents for the last two completed years (balance sheet, trial balances).
The loan is granted based on the financial analysis and the fulfillment of the eligibility conditions, according to the bank's policies.
If you are interested in the Investment loan via RURAL INVEST, please fill out the form below and we will contact you as soon as possible:
In addition to the financing solutions described in the adjacent sections, at Vista Bank you can access a wide range of agricultural loans, such as:
- The loan for the financing APIA subsidies based on certificate;
- APIA Premium loan - up to 170% of the last payment decision value;
- Loan for grain stocks financing;
- Loan for the modernization/construction of agricultural professional buildings (silos, production halls, etc.);
- Loan for shares purchase
The loan is granted based on the financial analysis and the fulfillment of the eligibility conditions, according to the bank's policies.
If you are interested in accessing an agricultural financial solution, please fill out the form below and we will contact you as soon as possible:
