APIA Credit: fast financing for those who build Romania's agriculture

In agriculture, time is one of the most valuable resources. Expenses for raw materials, salaries, utilities, or suppliers occur before subsidies enter the account, and the continuity of the activity often depends on quick access to liquidity.

At BT, we know how important this aspect is. We are the main financer of the agricultural sector in Romania and the partner of over 30,000 farmers. From family farms and small-scale agricultural holdings, to large-scale agricultural businesses, we are where Romania grows day by day.

Agriculture needs support at the right time

Farmers consistently invest in the development of their businesses: they purchase seeds, fertilizers, fuel, equipment, and bear the operational costs necessary for carrying out the activity. In many situations, these expenses must be made before collection of APIA subsidies.

To meet this need, we provide customersour people APIA Credit – a financing solution intended to cover the capital requirement until the subsidy is collected.

What is the APIA Credit?

APIA credit allows you to obtain up to 90% of the subsidy value which you are going to collect, based on the certificate issued by APIA.

Thus, you have access to the necessary financial resources when you need them, without waiting for the actual payment of the subsidy.

For what can you use the financing?

The amounts obtained through the APIA Credit can be used for:

• purchase of raw materials and goods;
• payment of salaries and utilities;
• payment of taxes to the state;
• payment of obligations to suppliers;
• other necessary expenses for carrying out agricultural activity.

An important advantage is that the credit guarantee is actually the subsidy to be collected from APIA. The response time is fast, and the documentation is short.

How do you access the APIA Credit?

Can apply very quickly online, or we are waiting for you at any BT unit from the country with the APIA certificate and minimal documentation, so that you can move forward with your plans without interruptions in development.

How much can you get through the APIA Credit?

You can receive up to 90% of the APIA subsidy value.

We are where Romania grows

Agriculture means work, investments and long-term vision. It means people who build day by day and who need trusted partners. We work alongside farmers from all over the country, we know the realities from the field and we contribute to the development of a sector essential for Romania's economy.

BT is here, and stays here for agriculture.