Агропросперис Банк Головний офіс
27-Т (літ. А), вулиця Дегтярівська 04119 Київ, Україна
Телефон:+38 044 392 93 91
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for farmers with 100 ha of processed land or more
time-to-money – up to 7 days
secured by crop receipts
no collateral valuation and insurance


Loan Request Regional managers contacts


Loan programs to farmers                                                                                         

Loan Amount Term Collateral
AP Express
Money fast. Desicion in 2 days

up to UAH 1.5 million 

or USD equivalent

up to 12 months

unsecured or secured loan

(depending on financial position)

AP Harvest
Financing for your sowing campaign

up to USD 600,000

or UAH equivalent

up to 18 months

financial crop receipt,

farming equipment

AP Promissory Note
Promissory note avalization. From 1.5%

up to USD 600,000

or UAH equivalent

up to 18 months

financial crop receipt,

farming equipment

AP Invest
Purchasing of new and used farming equipment

up to USD 600,000

or UAH equivalent

up to 7 years

purchased farming equipment,

financial crop receipt


Partnership Programs

Additional Information

Our borrower: 

  • cultivates 100 hectares of land or more
  • grows wheat, corn, sunflower, rapeseed, soybeans
  • has experience of 3 agricultural cycles or more
  • operates in Vinnytsia, Khmelnytskyi, Poltava, Kharkiv, Sumy, Chernihiv, Kyiv, Zhytomyr, Cherkasy, Kirovohrad, Ternopil, Lviv, Rivne or Volyn regions.



Agroprosperis Bank specializes in lending to agricultural producers. Bank’s investor NCH Capital Bank (USA) has built a successful agribusiness in Ukraine, presented under the brand Agroprosperis, which cultivates more than 300,000 ha and exports more than 3 million tons of crops annually.

With access to investor’s successful experience and unique IT tools, Agroprosperis Bank fully understands agribusiness and offers its customers: 

  • Financing secured by crop receipts
  • No collateral evaluation and insurance
  • Simplified evaluation procedure and quick decision making
  • Flexible repayment schedule according to the season and market conditions
  • Consultations on agritechnology, production and commercial issues and additional growth opportunities through cooperation with Agroprosperis
  • Responsible lending, when the loan amount depends on the feasibility of the farm and the client's ability to repay the loan.


Criteria for borrowers assessment

Agroprosperis Bank evaluates borrowers not by the presence of a solid collateral, but by the following criteria:

  • The reliability of the information provided– 25%
  • Business reputation, credit history– 20%
  • Experience in agribusiness– 20%
  • Financial position– 15%
  • Level of agrotechnologies– 15%
  • Proposed outpost– 5%


List of documents to apply for the loan:

  • Loan application form
  • Financial documents of the borrower and related parties: balance sheet, financial statements, statistical forms 50СГ, 29СГ
  • Charter and registration documents of the borrower, guarantor, mortgagor
  • Documents confirming the ownership of land on which the crop will be grown (for crop receipts)
  • Crop plan



Agroprosperis Bank is the first Ukrainian bank to start lending against crop receipts (since 2016).

Crop receipt is a convenient and simple tool for attracting financing, which will help to gain access to financial and material resources on the security of the future harvest on favorable terms.

Crop receipts can be financial, when the obligations are fulfilled by funds payment, and commodity, when the obligations are fulfilled by the supply of agricultural products.

Ukrainian banks can work only with financial crop receipts issued in UAH. For each crop you should issue an individual crop receipt.


Advantages of crop receipts

  • Accessability for small farmers. Financing against crop receipts can be obtained by those producers who do not have enough collateral for a classic loan.
  • Increase available collateral. The guarantee is the future harvest, which may not even be sown. Collateral coverage under the crop receipt is less than under the classic agricultural financing.
  • Freedom of choice of suppliers. Funds received under the crop receipt can be used for seeds, fertilizers or other necessary resources of any reliable suppliers.


Steps to issue a crop receipt

  • verification of the right to own or use agricultural land
  • agronomic examination of agricultural production
  • coordination of terms and conditions of the crop receipt
  • notarization and registration of crop receipts in the Register of crop receipts and the State Register of encumbrances on movable property
  • The certified crop receipt is kept by the creditor until the fulfillment of obligations by the agricultural producer


Legislation on crop receipts

The Law of Ukraine “On Agrarian Receipts” of November 6, 2012 year № 5479-VI is the main document that regulates the execution, issuance, circulation and execution of crop receipts. A comprehensive and up-to-date list of regulations governing the circulation of crop receipts, as well as educational materials on crop receipts are provided on the website of the State Enterprise "Agrarni Reiestry".