Find the Farming Loan that best suits your needs

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01

ESIF- EAFRD Greece Guarantee Facility

  • DESCRIPTION
    Financing the investment plans of Farmers, SMES that are related to processing / marketing and/or development of Agricultural Products, Collective Farmer associations, with favorable terms and conditions with the ESIF- EAFRD Guarantee Facility. 
  • IDEAL FOR
    Farmers and agricultural holdings included in Development Programes
  • INTEREST RATE
    Variable

    based on Euribor + spread
  • DURATION
    Loan Duration: 2 -12 years, grace period up to 24 months
  • REPAYMENT
    METHOD
    • Monthly,
    • 3-monthly,
    • 6- monthly
    • yearly instalments that pay interest and capital
  • FINANCING
    AMOUNT
    • The FoF provides 80% guarantee on each loan.
    • Reduced Collaterals
    • Preferential Pricing
02

Agricultural Development Working Capital

  • DESCRIPTION
    Working Capital for farmers that wish to receive an approved subsidy from a Development Program (Rural Development Program 2014-2020, etc.) in advance.
  • IDEAL FOR
    Farmers and agricultural holdings included in Development Programes
  • INTEREST RATE
    Variable based on the BFR (Basic Rate for Farmers)
    plus the Law 128/1975 levy
  • DURATION
    Up to 3 years, with the option of extending it
  • REPAYMENT
    METHOD
    Capital: as soon as the subsidy is paid

    Interest: Payment of interest every 6 months
  • FINANCING
    AMOUNT
    Minimum amount up to €5.000
03

EaSI Farmers’ Microfinance

  • DESCRIPTION
    Financing for farmers to cover the needs of agricultural production and for implementing investment plans
  • IDEAL FOR
    Farmers* to cover needs for:

    • Working capital or/ and
    • Investments in fixed assets


    *which meet the definition of micro-enterprise and are not operating in restricted sectors
  • INTEREST RATE
    Variable, based on the Base Rate for Farmers’ Loans
    (BRF)
    plus margin, plus the Law 128/1975 levy, currently at 0.12% or 0.6% depending on the farmer’s main business activity.
  • DURATION
    From 1 year up to 5 years
  • REPAYMENT
    METHOD
    In monthly, 3-monthly, 6-monthly or annual instalments - Payment of capital and interest
  • FINANCING
    AMOUNT
    From €1.000 up to €25.000
04

Farmers’ Micro-finance

  • DESCRIPTION
    Credit Limit in order to cover the unpredictable expenses of agricultural holdings.
  • IDEAL FOR
    All kinds of agricultural holdings
  • INTEREST RATE
    Floating based on the Base Rate for Farmers’ Loans (BRF)
  • DURATION
    One year with an one-year extension option
  • REPAYMENT
    METHOD
    The capital may be repaid at any time during the credit line period and through payment of subsidies
  • FINANCING
    AMOUNT
    up to €5,000.
05

Investment financing for Young/New Farmers

  • DESCRIPTION
    Purchase land and mechanical equipment

    Purchase and construct agricultural buildings

    Purchase plants and farm animals
  • IDEAL FOR

    Persons aged 19-50 who want to become at main profession farmer

  • INTEREST RATE

    Variable based on the BRF

    Up to 100% subsidized interest rate for people aged up to 40

  • DURATION
    To purchase mechanical equipment: duration up to 10 years

    To purchase land and construct agricultural buildings: duration up to 15 years

    To purchase plants and farm animals: duration up to 6 years
  • REPAYMENT
    METHOD
    In monthly, 3-monthly, 6-monthly or annual instalments
  • FINANCING
    AMOUNT

    From €5,000 to €150,000

    Maximum Financing Amount: up to 80% of the estimated cost and up to 80% of estimated value of the mortgaged property

06

Working Capital for Farmers (WCF)

  • DESCRIPTION
    Working capital to cover a farmer’s annual needs.
  • IDEAL FOR
    Farmers aged 18-70
  • INTEREST RATE
    Variable based on the Base Rate for Farmers (BRF)
  • DURATION
    One year with an one-year extension option
  • REPAYMENT
    METHOD
    Repayment of capital at any time during the credit line period. Repayments should equal to at least 50% of the received subsidies, product sales and other compensation.
  • FINANCING
    AMOUNT
    up to 90% of the eligible CL
07

Farmer Loan "Gi kai Exoplismos”

  • DESCRIPTION
    A loan to:

    Buy land and agricultural equipment

    Construction of agricultural buildings

    Purchase of plants and farml animals
  • IDEAL FOR
    Farmers,
    aged 18-70
  • INTEREST RATE
    Variable based on the BRF
  • DURATION
    To purchase agricultural equipment: duration up to 10 years

    To purchase land and construction of agricultural buildings: duration up to 15 years

    To purchase plants: duration up to 8 years

    To purchase farm animals: duration up to 6 years
  • REPAYMENT
    METHOD
    In monthly, 3-monthly, 6-monthly or annual instalments
  • FINANCING
    AMOUNT

    From €5.000 and up to 80% of estimated value of the mortgaged property

08

Farmer Loan - Contract Farming Card

  • DESCRIPTION
    Credit limit to cover the needs of agricultural production.
  • IDEAL FOR
    Farmers aged 18 to 75
  • INTEREST RATE
    Variable
    based on the Basic Rate for farmers (BRF)
  • DURATION
    Equals to the duration of the crop/milk production cycle
  • REPAYMENT
    METHOD
    The card’s outstanding balance will automatically be repaid through a lump-sum payment or in instalments for the raw material which the producer has delivered to the processing unit
  • FINANCING
    AMOUNT
    Depends on: The value of the agricultural production which the producers/suppliers will deliver to the buyer with whom they hold a contract. The cost of the producers / suppliers agricultural production inputs (expenses for agricultural supplies, fuel, animal feed, etc.)
09

Loan for Proactive Protection of Agricultural Crops (ELGA)

  • DESCRIPTION
    Loan to purchase materials and install active protection systems against hail and rain
  • IDEAL FOR
    Farmers aged 18-65, approved by the Hellenic Agricultural Insurance Organisation (ELGA)
  • INTEREST RATE
    Variable based on the Base Rate for Farmers (BRF)
  • DURATION
    Up to 6 years
  • REPAYMENT
    METHOD
    Interest is paid every 6 months, on 30/06 and 31/12. Capital is repaid through the assigned ELGA’s subsidy
  • FINANCING
    AMOUNT
    €2,000 - €170,000