Oschadbank Introduces New Loans for Small Farmers with 50% Coverage

Oschadbank has expanded its financial support program for agricultural producers, focusing on small farms with a land bank of up to 500 hectares. Farmers can now take advantage of loans provided with a 50% guarantee from the Agricultural Credit Partial Guarantee Fund and without any guarantee fees.

This is reported by AgroReview

Flexible Lending Terms for Farmers

Thanks to the new program, farmers gain access to financing on more favorable terms — with minimal collateral requirements and no additional costs for guarantee coverage. This allows small agricultural producers, who often face a lack of liquid collateral, to expand their business development opportunities and participate in seasonal work.

Key parameters of the lending instrument from Oschadbank:

• guarantee fee is 0%;
• the Fund’s guarantee covers 50% of the loan amount plus surety;
• maximum loan amount — 12.5 million UAH.

The bank offers flexible terms for various financial needs of farming enterprises:

• working capital replenishment (purchase of seeds, fertilizers, fuel) — up to 3 years;
• financing of investment projects (purchase of equipment, modernization) — up to 7 years;
• land acquisition — up to 10 years.

Results of Support for the Agricultural Sector in 2025

Last year, Oschadbank significantly strengthened its support for the agricultural sector. The total volume of credit assistance to the agro-industrial complex amounted to about 9.9 billion UAH, enabling the implementation of over 2,663 projects across Ukraine, including in frontline regions. For urgent seasonal needs, such as the purchase of seeds, fertilizers, and plant protection products, 539.3 million UAH was allocated through 466 loan agreements — this figure exceeded the 2024 result by 267%.

Within the framework of partnership programs, farmers also received 1,066 loans for the purchase of agricultural machinery, which is 29% more than a year ago.

Collaboration with the Partial Credit Guarantee Fund opens new opportunities for small farms, providing them with financial resources for stable operations and growth without additional costs for risk insurance.

“Supporting agricultural producers, especially in frontline regions, remains one of Oschadbank’s key priorities and a main driver of the economy. We see enormous demand for financial resources, particularly among small farms. The statistics speak for themselves: since September 2025, the volume of loans issued under cooperation with the Fund has exceeded 516 million UAH. These funds are already ensuring the livelihoods of hundreds of farms, allowing them to confidently plan their planting and develop their business,” said Oschadbank board member responsible for SMEs, Natalia Butkova-Vitvitska.