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Agricultural Lending Facility (ALF)
loans with a fixed interest rate of 5,1% for agricultural producers
5,1%
up to 24 months
up to 30 %
about
The Agricultural Lending Facility (ALF) is a financing mechanism launched by maib, in collaboration with the Office for Management of External Assistance Programs (OMEAP) and the Government of the Republic of Moldova through the Ministry of Finance.
The program aims to support agricultural producers in developing and modernizing their businesses through:
- advantageous financing with a fixed annual interest rate of 5,1%;
- a grant component of up to 30% of the loan amount;
- support for the purchase of agricultural and post-harvest processing equipment.
The program is implemented over a 5-year period starting in 2025 and provides farmers with financial resources tailored to their needs.
| investment type | maximum funding amount | grant component |
|---|---|---|
| equipment for conventional agriculture | up to MDL 2 000 000 | 5% |
| equipment for conservative agriculture | up to MDL 3 000 000 (producer groups) up to MDL 2 000 000 (individual beneficiaries) |
15% |
| post-harvest processing equipment (sorting, packaging, bottling, milling, feed production, etc.) | up to MDL 5 000 000 | 30% |
| working capital required for the investment and production project | up to 15% of the loan amount | no grant component |
Advantages
advantageous fixed interest only 5.1% per year
non-reimbursable grant of up to 30% of the loan value
financing for agricultural equipment and post-harvest processing
support for modernizing and improving farm efficiency
grace period – up to 24 months
contribution to the sustainable development of the agricultural sector
Why maib pentru for the Agricultural Lending Facility (ALF)?
- digital signing of contracts;
- flexibility in using credit limits;
- registration of movable collateral directly at the bank, without a notary;
- ability to make payments to maib clients 24/7;
- extensive network and strong partnerships;
- full price transparency;
- support for business development;
- trust and loyalty of farmers across the country.
eligibility
Beneficiaries:
- agricultural producers and producer groups registered in the Republic of Moldova;
- no debts to the national public budget;
- not included on international sanctions lists;
- financial statements submitted for at least the past 2 years;
- Investment projects in line with the ALF eligibility list.
Eligible Equipment
1. For conventional agriculture:
- agricultural tractors, combines, sprayers, and other self-propelled machines;
- equipment for soil preparation (harrows, cultivators, combiners, rollers);
- grain and precision seeders for technical crops;
- equipment for fertilizer application and plant protection;
- mowers, balers, trailers, and transport platforms.
2. For conservative agriculture (No-till, Strip-till, Min-till):
- special seeders for minimum tillage;
- subsoilers (subsoiling plows, paraplows) for soil loosening without turning the furrow;
- shredders for plant residues;
- storage hoppers with low-pressure tires.
3. For post-harvest processing:
equipment for sorting, packaging, bottling, milling, agricultural presses, and feed production.
4. Working capital
(seeds, fertilizers, fuel, etc.) – up to 15% of the loan value, without a grant component.
tariff
- A loan origination fee of 0.5% of the approved loan amount;
- The fee for modifying contractual terms, as well as the fee for extending or renegotiating the loan, will be charged according to the Bank’s applicable Tariffs and commissions.
required documents
- company incorporation documents (except for maib clients);
- business plan and/or financial projections (including investment description, job creation, energy efficiency, etc.);
- declarations on eligibility and absence of sanctions;
- Other documents requested by the bank.
submit your online credit application
fill in the fields below
submit your online credit application
introdu codul OTP primit la numărul de telefon +373
- step 1 of 2 legal entity data and credit details
- step of 2
Received!
the request has been successfully sent and will be processed from Monday to Friday, from 9:00 to 17:00.
if you apply outside office hours, on weekends or holidays, we will contact you the next working day.