Pro Credit Bank
ProCredit Bank is focused on meeting clients’ needs through a wide range of banking services and facilities offered to all private individuals: with regular incomes, salaries, self-employed students, farmers, pensioners, and children as well.
Agricultural Loans - ProAgro
ProAgro is a loan offered to farmers or providers of agricultural services from ALL 10,000 up to EUR 100,000.
Purpose
ProAgro can be used for:
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Any agricultural purpose (arboriculture, viniculture, etc); Purchase of seeds, chemical fertilizers, various treatments;
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Increase of livestock number;
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Greenhouse construction, purchase of machinery, agricultural aggregates, etc;
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Industry and food processing
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Improvement of family living conditions through house renovation or purchase.
Maturity
Maturity of a ProAgro loanis up to 36 months if used for working capital, and up to 120 months if used for fixed assets or improvement of living conditions.
What are the guarantees offered?
There is no need for guarantees for loans up to ALL 750,000 with maturities of up to 36 months. As a guarantee your business equipment, goods, your car or household equipment can be offered. A mortgage is not required for amounts up to ALL 6’000’000 and for maturities up to 36 months.
What are the advantages of ProAgro?
No fees are paid forprocessing the documentation in case the loan is not approved
Fast approval;
No additional documents required; Installments are determined according to seasonal income;
ProCredit Bank apply Grace Period in those cases when the business convinces the Bank that its incomes will be starting to be generated at different time within year, and then this time, can be the moment of starting paying agreed installments.
How to apply for ProAgro?
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Come in person to the nearest branch of ProCredit Bank;
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Complete the application for ProAgro for the amount you need;
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The loan officer analyses your situation;
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The money is in your hands at the most after 3 days;
Our Clients
Edmond Kasapi - Cattle Farmer
Agriculture is a family tradition for Edmond Kasapi, whose parents used to run a small livestock farm. He helped look after the animals at an early age and soon decided that he, too, wanted to be a farmer when he grew up.
Today, married with four children, Edmond runs a dairy farm in Savër, a village in the region of Lushnja. Having worked as a border guard in Divjaka until he became unemployed following the collapse of the communist regime, Edmond finally became a farmer in 1991. He bought a cow to produce milk, and invested in a small herd of sheep. The limited revenue from such an operation was however not enough to provide for his family, and Edmond was forced to do something else. Later that year, he began trading cattle.
He woke up early every morning and walked several kilometres from his village to the livestock markets to buy cows. He then sold the animals at the well-known cattle market in Lushnja, which is frequented by a number of international traders. Encouraged by his family, Edmond invested in his own herd of cows in 2004.
He had heard about ProCredit Bank’s tailored credit services for rural producer’s when a loan officer visited him to promote the bank’s agricultural loans. When his application for a loan of EUR 4,000 was approved, Edmond bought 25 cows and a supply of feed to get started. Since then, he has received nine more loans from ProCredit Bank to develop his business. “I have been fortunate enough to have the support of ProCredit Bank at every step of the way as I have expanded my business, and I always recommend the bank to other farmers,” says Edmond.
Not satisfied with 150 cattle and a workforce of five people, Edmond is already making plans to establish a second farm: he intends to buy more animals and 20 hectares of land. Based on his positive experience with ProCredit Bank so far, he hopes to realize these ambitious plans with further support from his reliable partner.
