The product is provided to create a new or renovate/modernise/overhaul an existing enterprise on co-financing terms.

Lending Period:

  • Up to 10 years with the possibility of further extension for a period that helps to maintain the subsidising of the interest rate
  • Up to 15 years - if the Government of the Russian Federation decides on subsidising the interest rate on the loan for a period of up to 15 years


  • The customer can obtain a loan of up to 80% of the investment budget of the project by investing no more than 5% of this budget before the provision of the loan
  • An opportunity to defer the payment of the principal for a period of up to 3 years

What for?

Financing the costs on the investment project: purchase of animals, movable and immovable property, including agricultural machinery and equipment, financing construction and installation works, expenses on formation of working capital for the project, acquisition of rights to lease and use the land.

Main Features:

  • Periods for repaying the loans are determined, primarily, based on the cash flow generated by the investment project;
  • Property created as part of the Project must be pledged
  • Insuring the pledged property
  • The product is intended for customers from Agriculture Industry Companies implementing investment projects in the economic sectors with OKVED (All-Russian Classifier of Economic Activities) codes 01, 02, 05, 15, 16 and using government support funded by federal and regional budgets

Requirements for the Project and Borrower:

  • Lender - Sberbank of Russia, with deals possible with Sberbank Leasing
  • Borrower - a legal entity and resident of Russia who uses a standard system of accounting and reporting
  • Using only proven technologies to implement the Project
  • A business plan, initial permits and design estimates, contracts for construction and installation works, supply of equipment, purchase of livestock
  • Marketing research for the Project
  • Information (maybe as part of the business plan) about the impact of Russia's WTO accession on the activities of the Borrower


  • No project financing is provided without documents confirming government support for the investment project
  • No financing is provided for transactions on the sale and purchase of enterprises
  • No loans are provided before the customer invests its own funds in an amount of no less than 5% of the project  investment budget
  • No deferral is allowed for formalising the provision of security