To cover the shortage of working capital in the most active part of the year – crop gathering and sowing – CIBANK offers to agricultural producers credit against expected subsidies under SAPS and NCS at preferential terms.

• fast and simplified procedure for application and approval of financing
• preferential interest rate on the credit – 7.5% per annum
• collateral on the credit is only a registered pledge of receivable of subsidy funds
• possibility for early repayment upon subsidy receipt without fee