© 2018 OMRO IFN S.A.

Agriculture Loans for small farmers

  • You get the approval within 3 days after submitting the required documents

  • You pay installments correlated with the time of collection from the production sold

  • You get assistance and benefit of flexibility in preparing and analysing the file

Request a personalized offer for your business activity

Your request will be analysed and you will be contacted by our Loan Advisers in maximum 24 hours.

Loans for working capital

- sowing, fertilization, herbicide use;
- purchase of animals;
- financing of short-term expenditure (fuel, spare parts, lease, animal feed, etc.);

Investment loans

- purchase of equipment, new or second-hand equipment;
- the purchase of land, real estates, animal breeding or dairy
- construction of warehouses, stables;
- refinancing investments made during the last 12 months,
financed from own sources;
- refinancing current loans for the same purpose from other banks
or NBFIs;

Eligible customers: agricultural producers, registered sole traders (PFA), individual companies (II), family owned companies (IF), limited liability companies (SRL), agricultural producer associations with minimum 6 months of activity

Amount: between 5,000 - 120,000 RON for working capital and 10,000 - 120,000 RON for investments depending on the age of the business

Reimbursement period:

  •  between 3-24 months for working capital, the reimbursement plan being flexible (the loan and interest payment is made at maturity or upon collection from the production sold)

  •   between 3-42 months for investment credit, with the possibility of granting a grace period; payment can be made monthly and/or quarterly/semi-annually/yearly, with flexible payments adapted to activity, correlated with the time of collection from the production sold)

Interest and charges: fixed interest rate during the first 6 months, and a financing fee charged once, upon loan granting


  • collateral (equipment, means of transport, machineries, etc.)

  • construction and/or land mortgages

  • personal securities

  • the goods purchased with the loan can also be used to secure the loan

Loans up to 45,000 RON may be secured by personal guarantee and loans up to 100,000 RON may be secured by collateral (real estate securities not being mandatory)

Revenues accepted:

  • revenues from activity - sale of crop and agricultural products, livestock and livestock products,

  • revenues from executed works and services provided in agriculture,

  • revenues from various activities in this field

Useful information:

  • the two types of loans can be accessed and carried out at the same time

  • you benefit from assistance in preparing the file and throughout the credit process

  • fast analysis, the loan is approved in maximum 3 days after submitting all documents 

  • you know from the start all the costs

  • you do not have guarantee evaluation or insurance costs

Calculate the installment for the desired amount and reimbursement period:

The calculated installment is estimated.

A single financing fee is charged upon loan granting.