Agriculture – Growth
Low-interest loan for agricultural enterprises to finance investments in farm buildings, technical equipment, machinery, and permanent crops. Up to 100% of eligible costs, with a maximum of €10 million per year. Applications can be submitted at any time through the primary bank.
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Grant criteria
Funding objective
Financing of investments that enable agricultural enterprises to reduce their production costs and to convert and improve their production.
Eligible expenses
- Construction, acquisition, and modernization of commercial buildings
- Erection, acquisition, and modernization of technical installations
- Purchase of machinery
- Establishment of permanent crops
- General expenses (e.g., architectural and engineering services)
Non-eligible expenses
- Acquisition of land
- Acquisition of shares in companies
- Company purchases and takeovers
- Investments in biofuels and energy production
- Acquisition of production rights, payment entitlements, animals, working capital
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Eligible to apply
- Companies
Funding requirements
- Meet the EU SME definition or be aid-exempt for non-SMEs
- Investments in primary production or processing and marketing of agricultural products
- Exclusion of land acquisition, share acquisition, biofuel production, working capital, annual crops, etc.
- Companies in difficulty are excluded
- Application via a house bank
Documents required for application
- Application via house bank
- Program conditions (PDF)
- Information sheet on risk-appropriate interest rate system
- Aid application
- Declaration of cumulation
Evaluation criteria
- Creditworthiness and provided securities
- Innovative content of the project
- Sustainability aspects
- Appropriateness of purpose and operation
Description
The loan program "Agriculture – Growth" of the Landwirtschaftliche Rentenbank is aimed at small and medium-sized enterprises in primary production as well as in horticulture and viticulture, in all legal forms and types of taxable income. It enables low-interest refinancing of investments in farm buildings, technical equipment, machinery, and permanent crops. Up to 100% of eligible costs, with a maximum of €10 million per year, can be funded. Applicants may submit their application at any time through their house bank. Young entrepreneurs under 41 years of age additionally benefit from an interest rate bonus. Funding requirements include meeting the EU SME definition or aid-free conditions for non-SMEs, investments in primary production or in the processing and marketing of agricultural products, as well as the exclusion of companies in difficulty and prohibited expenses such as land acquisition or annual crops. Creditworthiness, collateral, innovation content, and sustainability aspects are included in the evaluation.
With terms ranging from three to 50 years and fixed interest rates up to 20 years, operating resources and infrastructure can be planned long-term. Funding is provided for the construction, modernization, and acquisition of farm buildings, technical equipment, and machinery, as well as general expenses such as architectural and engineering services. Additionally, Rentenbank offers low-interest refinancing through credit institutions for leasing projects. The program conditions are based on a risk-appropriate interest system: the margin of the house bank is determined according to creditworthiness and provided collateral. The loan is applied for through a house bank and commissioned there with Rentenbank. This attractive solution provides agricultural enterprises nationwide with a reliable financing source to reduce costs and improve production.
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