Credit solutions

Crediting

The clients of the company “Agrimatco Service” have the opportunity to purchase Solis tractors on credit. Currently, more and more of our clients are choosing the company Microinvest for this service.

Microinvest offers loans for Solis agricultural machinery:

  • To individuals;
  • To businesses.

General Conditions

  • Loan amount: from 50,000 to 4,000,000 Lei;
  • Loan term: from 3 to 60 months (5 years);
  • First payment: 0 Lei;
  • Loan decision: within 24 hours.

The annual interest rate (%) is negotiated individually with each client.
The loan can be granted without collateral or with collateral in the form of the purchased equipment (depending on the loan amount).
*For more details, you can contact the credit experts at Microinvest.

Required Documents

To obtain a loan from Microinvest, you will need just a few documents:

  • Identity card;
  • Company documents (Extract, Registration Certificate, etc.);
  • If applicable: documents for collateral or guarantor.

Loan Repayment

Microinvest offers a flexible loan repayment schedule. The client chooses when and how much to pay. Together with a credit expert, you can create an individual schedule, taking into account the specifics or seasonality of your business. You can make payments when it’s convenient for you, even if it’s only 3-4 times during the year!

Example

The farmer grows cereals (wheat, corn) or rapeseed.
Typically, these crops are harvested from July to September.
During this period, farmers deliver the harvested crop for processing and receive the first payments. Sometimes, the money for the crop is paid in installments, and a full payment between the raw material buyer and the farmer takes place during the winter. Thus, farmers find it more convenient to make major purchases or repay loans at the end of the current year or the beginning of the next year.

Let’s assume the farmer has chosen a 50-horsepower Solis tractor, which costs around 330,000 Lei.
In October, he receives the necessary amount from Microinvest on credit, without paying the first installment and possibly without collateral.
In a month (December), the farmer pays the first installment—approximately 39,900 Lei.
This is the only installment paid in the first year.
In the second year, the farmer will pay 4 installments ranging from 40,000 Lei to 43,000 Lei.
In the third year, the farmer will also pay 4 installments of about 39,900 Lei.
Then, in the fourth year, he will pay only 2 installments and fully repay the loan.

The table below shows the loan repayment schedule described.

First Installment

If the client has part of the required funds, he can pay the first installment for the purchased equipment. In this case, the monthly payments for the loan from Microinvest will be lower than those in the demonstrated schedule.

Possible options

The farmer can choose any other repayment schedule that is convenient for him.
For example: 6 months per year, or the classic option—every month.
It all depends on the specifics of the business and the specific situation the client is in, and Microinvest will choose the optimal solution for each client because all clients must grow and develop.

Phone Microinvest: 022 801 701
Website: Microinvest.MD

State subsidies

Subsidy is a form of support provided by the State in the form of compensation.
It is calculated at a rate of 25% of the cost of each unit of equipment.

The limit is no more than 300,000 lei per beneficiary, which means that a farmer can purchase agricultural equipment worth up to 1,200,000 lei, and as compensation, they will receive 300,000 lei from the State.

If the agricultural equipment is purchased on credit through Microinvest, credit experts will assist you in preparing the document package to apply for the subsidies. In this case, the subsidies received will be considered when repaying the loan.
Clients who have purchased agricultural equipment through Microinvest can receive subsidies both for the annual interest rate on the loan (%) and for the agricultural equipment purchased.

Types of subsidies

  1. Subsidy for Agricultural Equipment – a one-time compensation (paid once) that you will receive 4-5 months after submitting documents to AIPA. The subsidy is granted for the purchase of agricultural equipment manufactured no later than two years prior to the year of subsidization, purchased starting from November 1st of the previous year.
  2. Interest Subsidy (% of the loan) – compensation granted once a year throughout the entire term of the loan.

Example
Subsidies for a 50 horsepower Solis tractor (330,000 lei) will be: 82,500 lei for the purchase of the equipment and 42,000 lei for the interest rate. Over the entire period, you will receive a total of 124,500 lei in the form of compensation.

* More details can be provided by credit experts at Microinvest.

Phone Microinvest: 022 801 701

AIPA Hotline: 022 213 333