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Supporting the investment projects in the agricultural field, including the purchase of breeding animals, as well as in the aquaculture field, other than those funded by the NRDP and OPNAF 2014-2020

Obtainment of a funding in Lei with advantageous interest rate

Flexible guarantees by granting a RCGF guarantee covering up to maximum 80% of the loan amount

Extended grace term of up to 24 months

Viewing of financial status and current account/card operation reports can be made by using the Internet Banking and Mobile Banking Services provided by the Bank

Eligible customers: Individual and legal entity – farmers acting in the vegetal / livestock agricultural field and aquaculture field and operating agricultural land which, together with the agricultural land plots to be purchased, will amount to maximum 750 ha, according to the certificates issued by APIA or the National Agency of Fishery and Aquaculture, or operating agricultural lands, plantations, fish farms, aquaculture farms, animal / poultry/ bee farms etc., as the case may be, namely:
- Trading companies, as defined according to Law No 31/1990, as further amended and supplemented;
- Certified natural persons, individual enterprises, family enterprises performing activities and established according to GEO No 44/2008;
- Associations, agricultural companies and cooperatives established according to Law No 36/1991 on agricultural companies and other forms of association in agriculture, and Law No 566/2004 on agricultural cooperation;
- Individuals performing economic businesses in the vegetal/ livestock agricultural field or aquaculture field.

Loan purpose:
- Purchase of land plots intended to agricultural use;
- Funding of investments in the agricultural field, including the purchase of breeding animals and aquaculture, other than those funded by the NRDP and OPNAF 2014-2020.

Lending term:
- Minimum 6 months - maximum 84 months, in case of funding investments in the agricultural field, including purchase of breeding animals and aquaculture;
- Minimum 6 months – maximum 180 months, in case of purchase of land plots intended to agricultural use.

Grace term: maximum 24 months, in case of funding investments in the agricultural field, including purchase of breeding animals and aquaculture / purchase of land plots intended to agricultural use.

Loan amount: maximum 95% of the overall investment amount (VAT included)

Own contribution: minimum 5%

Currency: Lei

Interest: ROBOR 6M + margin of 1.95 p.p. for loans up to EUR 3 million

Guarantees:
- RCGF guarantee: up to maximum 80% of the loan amount;
- Shareholders / associates / directors / legal representatives of the legal entity – customers shall sign, as natural persons, guarantee contracts under which RCGF is co-creditor;
- Any other guarantee of mix of guarantees among those accepted by the Bank;
- Assignment of insurance policies related to crops obtained on the land purchased by using the loan, or related to movable/immovable assets purchased by using the loan, to the Bank.

In case of loans given for:
- Purchase of agricultural lands, the land plots and/or other assets owned by the borrower or third party guarantors shall be also pledged as collaterals;
- Investments, the movable/immovable assets purchased by using the loan and/or other assets owned by the borrower or third party guarantors shall be also pledged as collaterals.

Loan repayment: Monthly. The due dates may be established quarterly, bi-annually or during certain months of the year, the payment following to be done in equal or unequal installments, as the case may be, considering the current and forecast flows of receipts of the customer.

Obtainment of a funding in Lei for the current business, with advantageous interest rate

Flexible guarantees by granting a RCGF guarantee covering up to maximum 80% of the loan amount

Lending term of 36 months

Viewing of financial status and current account/card operation reports can be made by using the Internet Banking and Mobile Banking Services provided by the Bank.

Eligible customers: Individual and legal entity – farmers acting in the vegetal / livestock agricultural field and aquaculture field and operating agricultural land which, together with the agricultural land plots to be purchased, will amount to maximum 750 ha, according to the certificates issued by APIA or the National Agency of Fishery and Aquaculture, or operating agricultural lands, plantations, fish farms, aquaculture farms, animal / poultry/ bee farms etc., as the case may be, namely:
- Trading companies, as defined according to Law No 31/1990, as further amended and supplemented;
- Certified natural persons, individual enterprises, family enterprises performing activities and established according to GEO No 44/2008;
- Associations, agricultural companies and cooperatives established according to Law No 36/1991 on agricultural companies and other forms of association in agriculture, and Law No 566/2004 on agricultural cooperation;
- Individuals performing economic businesses in the vegetal/ livestock agricultural field or aquaculture field.

Loan purpose:
- Funding the current business related to agricultural production, including purchase of animals for resale;
- Funding the current business related to fish farming production.

Lending term: maximum 36 months

Grace term: maximum 12 months, during which the customer will repay monthly only the interest related to the loan used.

Loan amount: it shall be established according to the working capital need, the financial cycle and the repayment capacity of the company.

Own contribution: none

Currency: Lei

Interest: ROBOR 6M + margin of 1.95 p.p. for loans up to EUR 3 million

Guarantees:
- RCGF guarantee: up to maximum 80% of the loan amount;
- Shareholders / associates / directors / legal representatives of the legal entity – customers shall sign, as natural persons, guarantee contracts;
- Movable mortgage over the livestock;
- Any other guarantee of mix of guarantees among those accepted by the Bank.

Loan repayment: Monthly. The due dates may be established quarterly, bi-annually or during certain months of the year, the payment following to be done in equal or unequal installments, as the case may be, considering the current and forecast flows of receipts of the customer.

Supporting the investment projects in the agricultural field, including the purchase of breeding animals, as well as in the aquaculture field, funded by the NRDP and OPNAF 2014-2020

Obtainment of a funding in Lei with advantageous interest rate

Flexible guarantees by granting a RCGF guarantee covering up to maximum 80% of the loan amount

Viewing of financial status and current account/card operation reports can be made by using the Internet Banking and Mobile Banking Services provided by the Bank

Eligible customers: Private beneficiaries registered with APIA/ANPA as farmers and with have a grant contract concluded with the Agency for Rural Investments (AFIR) or the National Agency of Maritime Affairs and Fishery under NRDP 2014-2020 or OPNAF 2014-2020.

Loan purpose: Credits given by the Bank to the private beneficiaries of NRDP 2014-2020 or OPNAF 2014-2020, to fund the investment projects supported under those Programs.

Currency: Lei

Interest: ROBOR 6M + margin of 1.95 p.p. for loans up to EUR 3 million

Guarantees:
- RCGF guarantee: up to maximum 80% of the loan amount;
- Shareholders / associates / directors / legal representatives of the legal entity – customers shall sign, as natural persons, guarantee contracts under which RCGF is co-creditor;
- Any other guarantee of mix of guarantees among those accepted by the Bank.

The other characteristics of credit products are in line with standard credit products for accessing European post-accession funds, respectively:
European Fund Investment Credit
European Fund Investment Bridge Loan
European Fund Investment Credit Line