Fill in an Application Preferential Agro Credit from 0% – Within the Framework of State Programme

Preferential agro credit for working assets

With the above credit, it is possible to finance the current costs of sowing and planting material for annual crops; purchase of pesticides, organic and mineral fertilizers, biological means of plant protection; hiring labor force and agricultural machinery for agricultural works; repairs of irrigation system for annual crops. 

Preferential agro credit for fixed assets

This credit is funding the establishment of new agricultural facilities and technical re-equipment of existing ones. The product is intended for processing, infrastructural and intensive primary agricultural enterprises, planting perennial crops, purchase of agricultural machinery, etc.

Within the framework of the same project, the Grant Component is available. The loan implies issuance of the grant by the state, in the amount of up to 50% of the total project cost.

More information can be found on the Agricultural and Rural Development Agency's web-page.

Interest rate From 0% (effective from 0.5%)
Loan amount GEL 5,000 – 100,000, Working assets; GEL 7,000 - 5,000,000, Fixed assets
Loan currency GEL
Repayment schedule Seasonal, ad hoc schedule; Equal/unequal monthly installments
Purpose Working and fixed assets

Working assets:

  • Credits from effective 0% (effective from 0,5%)!
  • Grace period and repayment schedule tailored to your business 

Fixed assets:

  • Long term loan for purchase of the fixed assets by agricultural production, storage and processing facilities. It may also cover the purchase of agricultural equipment and implements;  
  • The long grace period option allows for the repayment schedule to be exactly fitting to specificities, seasonality of your business;
  • The state programme covers 8 - 11% of the interest to be paid by the borrower;
  • State contribution in collateral: 50% of overall borrowed amount and up to 66 months term. 
  • The borrower shall have minimum 1-season experience of running agro business;
  • This loan is also available for start-ups (fixed assets component).

Central Branch - 14, G. Chanturia st.

Rustavi Branch – 2, Megobrobis Ave.
Lilo Branch - 112, Kakheti Highway, Lilo Mall
Telavi Branch  – 3, Saakadze square 
Gurjaani Service Center– 20, Noneshvili St.
Tsnori Service Center - 9, D. Agmashenebeli St.
Marneuli Branch  – 74, Rustaveli St. 
Gori Branch – 49, Samepo St. 
Akhaltsikhe Branch - 10, M. Kostava St.
Kutaisi Branch – 5, Rustaveli St.
Ozurgeti Branch – 8, Eristavi St.
Zugdidi Branch  – 31, Gansaxurdia St.

For the detailed information, please apply the nearest branch of the Bank or contact us 224 24 24

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