Replenishment of working capital and investment financing: OTP BANK programs for the agricultural sector in 2025
OTP BANK JSC continues to support the Ukrainian agricultural sector and offers a variety of financing programs tailored to any agribusiness needs—from sowing campaigns to investments in production modernization. This is discussed in the article “OTP BANK Financial Solutions for the Ukrainian Agricultural Sector: Working Capital Replenishment and Investment Financing Programs in 2025,” published in Agrotimes.
OTP BANK, in cooperation with international and Ukrainian companies producing material resources, fertilizers, seeds, and plant protection products, offers loans on special terms: an interest rate starting from 0.01% per annum when purchasing products from a partner company, with financing terms ranging from 3 to 12 months. Up to UAH 5 million can be obtained without collateral, up to UAH 20 million with financial agrarian receipts as collateral, and more than UAH 20 million with hard collateral.
Additionally, OTP BANK provides loans under the “Affordable Loans 5-7-9%” program on preferential terms: for processing enterprises, the base rate does not exceed 7% per annum, while for crop production enterprises, it is 13%.
As part of the “Affordable Loans 5-7-9%” program, the Bank also offers financing for the modernization of agricultural machinery and transport fleets at 5-7% per annum for up to 5 years. Ukrainian farmers can also use the program to obtain funds for purchasing equipment for crop drying, grain storage elevators, and investments in processing. The program provides financing at 5-7% per annum for up to 5 years. Additionally, OTP BANK clients can receive up to 10% cashback from the European Bank for Reconstruction and Development (EBRD) when purchasing machinery and/or equipment, provided they meet EBRD requirements.
Moreover, the Bank participates in the “Made in Ukraine” state program, which provides 25% compensation for the cost of Ukrainian-made agricultural machinery.
To further support Ukrainian agribusiness, OTP BANK offers a loan program for purchasing agricultural land. Financing is available for up to 7 years, with a 20% down payment. Clients can also take advantage of the “Affordable Loans 5-7-9%” state program. Additionally, financing is available under the Risk Sharing Program, which OTP BANK implements in partnership with the European Bank for Reconstruction and Development.
The Bank has developed a range of special loan programs to enhance the energy independence of Ukrainian companies, including agricultural enterprises. Within the “Affordable Loans 5-7-9%” program, businesses can obtain financing for energy independence projects at a reduced interest rate of 5%, 7%, or 9% per annum. OTP BANK provides funding for projects aimed at securing decentralized energy generation sources, including:
- Solar panels with storage and energy accumulation systems,
- High-power diesel or gas-piston (cogeneration) generators,
- Wind power stations and biogas plants.
Under the co-financing program with the European Bank for Reconstruction and Development (EBRD), borrowers can receive an additional cashback of up to 15% of the project cost.
For more details on OTP BANK programs for farmers, follow the link.
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Public Joint Stock Company OTP Bank is a subsidiary of OTP Bank, which is the largest independent Central-Eastern-European banking group. JSC OTP Bank is one of the largest domestic banks, a recognized leader in the financial sector of Ukraine. The Bank provides a full range of financial services to corporate and private customers, as well as to small and medium enterprises. The bank entered the Ukrainian market in 1998, and since then it enjoys a staunch reputation of socially responsible, reliable and stable institution providing its consumers with services of European quality standard.
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