Grow your agricultural business with the new Sustainable Agri Loan from Microinvest. Invest in soil-friendly technologies, efficient irrigation systems, farm digitalization or renewable energy, and benefit from financing under preferential conditions. Access up to MDL 6.000.000 without collateral, for a term of up to 120 months, with a grace period of up to 9 months.
Agriculture never stops! With the new Rapid Agri Loan, invest in your business plans at the right time. Get financial support for purchasing seeds, fertilizers or modernizing your farm, under advantageous conditions, with a financing decision in up to one hour. Access up to MDL 1.000.000 without collateral, for a term of up to 120 months, with a grace period of up to 9 months.
Manage your business loans at your own pace
Get quick access to all the information you need about your loans, directly from your Microinvest Personal Account or the mobile app.
GOLD in client protection
Microinvest is the only financial organization in Moldova that holds the international GOLD certification, according to the Cerise+SPTF Client Protection standards and methodology
What does this mean for our clients?
- Clear and adequate products
- Avoiding excessive debt
- Transparent conditions
- Responsible prices
- Respectful treatment
- Data confidentiality
- Prompt complaints handling
Example of calculation for an agri loan
Investment in modern technology pays off quickly and efficiently. For example, for the purchase of a tractor on credit, worth 1.000.000 MDL, with a 12-month repayment period, the costs may be as follows:
| Loan amount: | 1.000.000 MDL |
| Repayment term: | 12 months |
| Annual interest rate: | 15% |
| Monthly administration fee: | 0,3% |
| Disbursement fee: | 2% |
| Monthly installment: | 91.929,17 MDL |
| Total amount payable: | 1.103.180,48 MDL |
| APR: | 25,03% |
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Total cost = tractor cost (300.000) + interest rate (83.000) – subventions (114.000) – rent savings for 2 years (190.000) = 79.000 MDL. The calculations are approximate and have no legal power. |
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- You must have Moldovan citizenship
- You must have an LLC registered in the Republic of Moldova
- You must carry out agricultural activity with at least one completed agricultural cycle
- You must have a positive credit history
- You can apply for a loan of up to 10.000.000 MDL
- You can access up to 6.000.000 MDL without collateral
- We finance both working capital (up to 3 years) and fixed assets (up to 10 years)
- You can choose financing in MDL or in foreign currency
- We offer a personalized payment schedule, depending on the specifics of the business
- The interest rate is individualized and set according to the business profile
- The loan issuance fee is up to 3% of the approved amount
- Full early repayment of the loan has a 0% commission
- Additional costs are established transparently, depending on the specifics of each case (valuation, notary, etc.)
- Loans for legal entities can be repaid by bank transfer.
- What are the benefits of an Agri loan?
An Agri loan gives you flexible financing for your farm or agricultural business. You get amounts tailored to your needs, personal support, a repayment schedule that matches the agricultural season, and the option of early repayment with 0% commission.
- How does the Agri loan approval process work and how long does it take?
Applying for an Agri loan is simple and fast. Microinvest loan officers come to any location in the country, assess your financial situation, and propose the best financing option. There is no complex paperwork or business plan, and the loan decision is made within 24 hours. You only need to visit the office to receive the money.
- From 30,000 to 300,000 lei
- Term of up to 12 months
- Extend the credit line without fully repaying the outstanding balance
- Pay interest only on the funds you use
- Up to MDL 500.000 without collateral
- Only with your ID card
- You get the money the same day
- For a term up to 60 months
- Up to MDL 500.000
- No hidden fees
- Response in few hours
- Extensive nationwide network of partners
- Up to MDL 500.000
- You have all the credits in one place
- Lower interest rate and final amount
- Simplified loan repayment process
- Up to MDL 1.500.000
- 100% financing
- Become the car owner from the beginning
- We finance 100% of the cost
- Up to MDL 6.000.000 without collateral
- No extra paperwork and financial analysis
- Personalized payment schedule
- For a term up to 10 years
- Up to MDL 10.000.000
- You start paying after 9 months
- No extra paperwork and stress
- Flexible approach regarding collateral
- Up to MDL 3.000.000
- We review your request by phone
- Response in maximum 2 hours
- For a term from 3 to 120 months
- Amount: from MDL 50.000 to 5.000.000
- Fast access from your personal account
- Interest is charged only for the money used
- Term: up to 24 months, with option to renew
- Preferential financing terms
- Up to MDL 6.000.000 without collateral
- Fast decision-making and a personalized approach
- Extensive nationwide network of partners
Buy products for your business directly from our partners
In installments or credit, simple and fast.
- From 50.000 to 10.000.000 MDL
- Directly from partner stores
- No hidden fees
- Safe and advantageous
