Capitalia loans for farmers are tailored financing for agriculture and forestry companies up to EUR 1,000,000, intended both for covering seasonal costs and for long-term development projects.

These loans for farmers serve as a modern supplement to bank financing or as a substitute when commercial bank credit is not available in sufficient amount or within the required timeframe.

A farmer loan can be used to purchase seeds and fertilizer, acquire logging areas, buy or repair machinery, as well as cover fuel, wages, and other day-to-day expenses throughout the year.

This financing is especially suitable for seasonal cash flow, allowing an agricultural business to cover expenses now and receive income later, for example during subsidy payments or harvest sales.

Capitalia loans for farmers and forestry companies are usually available in amounts up to EUR 1,000,000, with terms ranging from several months to several years depending on the financing type and cash flow.

The Annual Percentage Rate (APR) for such loans is approximately 8% to 24% per year, and exact costs depend on the company's credit rating, collateral, and planned repayment schedule.

Capitalia loans for farmers are a more flexible alternative financing option, suitable also for small and medium-sized agricultural businesses that may lack the collateral or history required for traditional bank loans.

This type of financing is often issued faster than bank loans and allows farmers to take advantage of favorable market opportunities, such as purchasing raw materials or logging areas at lower prices.

Agriculture and forestry companies can apply for a loan by submitting information about the farm, turnover, intended financing purpose, and existing liabilities, as well as the latest financial statement and bank account statements.

Capitalia evaluates the company's cash flow, seasonality of production and income, collateral, and support program flows (for example, subsidies) to define an appropriate loan amount and repayment schedule.

Yes, Capitalia loans for farmers are designed so that loan repayment can be adjusted to seasonal agricultural cash flow, for example with larger payments during harvest or subsidy income periods.

Repayment schedules may include short-term seasonal financing with principal payments in one or several parts after crop sales or subsidy receipt, helping to avoid cash flow stress.