“Agriseason” Loan

Need additional funds to finance the agricultural cycle?

We provide maximum financing for the needs of your enterprise.
Repayment schedule is adapted.
The loan is partially secured by the guarantee.
Interest rate on the balance only.
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For what purposes the lending is provided?

Thanks to the “Agriseason” credit line you can solve the issue of financing the current agricultural cycle and ensure the efficient development of your enterprise.

Purchase of raw and other materials for agricultural cycle: fuels and lubricants, crop protection products, fertilizers, seeds.
Current repair of agricultural machinery, equipment and premises; purchase of spare parts and construction materials; payment for repair works.

Terms of lending

Loan type Revolving credit line/
Term loan
Loan term Up to 18 months
Funding amount From UAH 200,000
Interest rate If participating in the “Affordable loans 5-7-9%” program Standard terms
13% per annum, excluding the business entities conducting their economic activity in a high military risk zone* - 3% per annum
  • For customers with revenue up to UAH 30 mln: UIRD 3m + 3.5%
  • For customers with revenue UAH 30-300 mln: UIRD 3m +2.5%
  • For customers with revenue exceeding UAH 300 mln: UIRD 3m +1.5%.
Fee
  • 0% for loans with hard pledge (the promotion is valid until December 31, 2024);
  • up to 1.5% for loans with no hard pledge
Schedule reduction Adapted schedule taking into account seasonality, namely: 20%, 30%, 50% of the loan are repaid during the last three months
Interest repayment Monthly
Collateral The loan is partially secured by the guarantee
Additional collateral

For loans up to 18 months:
50% are covered by the guarantee + 50% by the hard pledge with 1.5 coverage ratio.

For loans up to 36 months:
hard pledge. The coverage ratio of hard pledge is 1.5 and owner’s surety.

Blank financing is possible (with no hard pledge partially covered by guarantees):
- 50% or 80% are guarantee coverage;
- owner’s surety.
Insurance Insured for the term of the loan pursuant to the tariffs of the insurance company accredited by the bank

* High risk military zone is a territory of possible hostilities included in the list, approved by the Ministry of Integration, for which the hostility cessation date is undefined, or a territory where hostilities or occupation is not taking place for less than one calendar year as of the execution date of a loan agreement.

** The margin size is fixed for a year with a subsequent revision.

PrivatBank is a participant of the “Affordable loans 5-7-9%” state program

PrivatBank is a participant of the “Affordable loans 5-7-9%” state program
We are offering a credit line - “Agriseason” - under the state program at 13% per annum for financing the agricultural cycle.
More details

FAQs

Can the debt under the “Agriseason” loan be repaid early?

Yes, the debt under the “Agriseason” loan can be repaid early.

Can the “Agriseason” loan be granted without collateral?

Yes. The loan can be granted without additional collateral.

Is it obligatory to register the owner's surety?

Yes. Under the “Agriseason” loan, registration of the owner’s surety is an obligatory term.

Is a notarial certificate required in case of collateral under the “Agriseason” loan?

The notary certificate is not required if the collateral is: agricultural (self-propelled, trailed, hinged) machinery and/or vehicles (passenger and/or commercial); The certificate is required if the collateral is: residential/commercial real estate.

Is it compulsory to ensure collateral?

Yes. Collateral is subject to compulsory insurance provided that the bank will act as a beneficiary in the case of an insured event.