Agriculture Loan

Quick and easy loans to support your farm

Fast and simple approach, ensuring stress-free access to financial support to assist you in cultivating a thriving farm

Unlocking Agri-Business Potential

At FINCA, we understand the unique challenges and needs of the agricultural sector. Dive into our tailored solutions that fit your agro-business ambitions goals

  • Loan amount
    Our loans cater to your aspirations, with amounts ranging from 250 to 25,000

  • Loan term
    maximum loan term of 60 months, providing you with flexibility to manage your repayments

  • Grace period
    Enjoy freedom and control with our grace period of up to 12 months, giving you valuable time to plan

  • Extended Flexibility
    Start repaying after a fruitful harvest season with a 12-month grace

Maximize Benefits with €5,000 Loans or Less

With a good credit history, you unlock bigger opportunities for your agriculture venture loan up to €5,000

  • Simple Lending
    Your borrowing journey is effortless with us, – no co-borrower needed

  • Peace of Mind
    Unlock your potential without locking away your assets – your vision matters.

  • Trust-Based Financing
    No Guarantee Required- We support your ambition without the burden of formal guarantees

  • Fast Processing
    Simple process that only requires your official ID – no need for extra paperwork.

Secure your future with Agro Window

Agro Window provides guarantees to cover the risk for loans in the agricultural sector

How It Works

  • If you run and Medium or Small Enterprise registered within the Kosovo Business Registration Agency (ARBK) or run a farm and possess a Farmer Registration Certificate with a Farm Identification Number (NIF) – this guarantee scheme AgroWindow will be offered to you.

  • The guarantees are provided for the amount of up to 60% of the agro loan principal.
  • Minimum loan amount is set as Euro 3,000

  • All agro loans access working capital, fixed assets and capital investments will be part of the guarantee scheme with favorable conditions.

  • Interested in learning more? Call + 383 (0) 38 600 711, or visit the nearest branch of FINCA Kosovo.

Loan Application Process: Step by Step

Experience an application process built on trust, efficiency, and your unique needs

  • 1

    Online Application
    When you apply online, our team will contact you, reaching out for identification verification and conducting a thorough credit history check to expedite your loan journey

  • 2

    Registration and Document Submission
    After validating your credit history the loan application will be processed for final assessment

  • 3

    Loan Approval and Contract Signing
    Upon approval, you will be invited to sign the loan contract and instantly receive your approved funds, making the process seamless

Start your application

Applying for a loan with us is a straightforward and convenient process


FINCA Kosovo Loan Rates And Conditions

FINCA Kosovo continues to champion financial inclusion by offering a wide range of products. Loan solutions are specifically tailored to women, rural customers and people who traditionally were underserved.

Learning and Development for Farmers

We offer free trainings to farmers: Livestock health training and Agriculture, timing of crops and improvement of yields training.  The training sessions are thoughtfully designed to equip farmers with the knowledge and skills needed to develop their farm.

Customer Success

“I’ve been a part of FINCA since 2003 when I obtained a group loan with my cousins. Since then, I’ve availed numerous loans, and I’ve never considered switching to another institution. Whenever I decide to invest in my small farm, whether it’s for purchasing dairy cows or acquiring land, FINCA is consistently my choice. I remain committed to FINCA, and whenever someone asks me about my farm investments, I always recommend FINCA.” – Besnik Ibishi

“I’ve been a part of FINCA since 2003 when I obtained a group loan with my cousins. Since then, I’ve availed numerous loans, and I’ve never considered switching to another institution. Whenever I decide to invest in my small farm, whether it’s for purchasing dairy cows or acquiring land, FINCA is consistently my choice. I remain committed to FINCA, and whenever someone asks me about my farm investments, I always recommend FINCA.” – Fahrije Begu

Frequently Asked Questions

ID Document and proof of address and may also depend on conditions filed by the customer.

The maximum loan amount can reach up to 25,000 euros, but this is subject to variation based on the loan product.

The maturity period typically spans up to 60 months, yet it can vary depending on the specific loan product

The loan processing time depends on the loan amount and specific conditions, but in most cases, funds are disbursed within the same day.

The necessity of a guarantor depends on the loan amount, specific loan product and credit history of the applicant.

The requirement for collateral depends on the loan amount, specific loan product and credit history of the applicant.

Yes, you can apply online or visit our branch close to your location.

Your loan costs, which include annual interest rate, will be shared with you during the branch visit, as payables depend on loan amount, term, grace period and other conditions that will be defined during the meeting at our branch.

We are always happy to talk!

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