Agricultural Lending Facility (ALF)

business especially for farmers Agricultural Lending Facility (ALF)

interest rate on loans in MDL

5,1%

grace period

up to 24 months

grant

up to 30 %

check the limit

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;
financing for agricultural working capital intended to cover current operating expenses.

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
agricultural working capital	up to 500,000 MDL	no grant component

Advantages

advantageous fixed interest only 5.1% per year

non-reimbursable grant of up to 30% of the loan value, for eligible investments

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;
for the “Agricultural working capital” component: micro and small enterprises in the agricultural sector, of all legal forms, carrying out activities in accordance with the applicable regulatory framework;
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 or eligible expenses in accordance with the terms of the FCA Program.
Investment projects in line with the ALF eligibility list.

Eligible equipment and expenses

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.

5. Agricultural working capital

current operating expenses related to agricultural activities — up to 500,000 MDL, without a grant component. Retroactive financing of expenses and refinancing of existing debts are not allowed.

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.

Digital

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