Sharing the vision of entrepreneurship

"A great harvest doesn’t wait for all the approvals from a banker’s office, especially not from one where ‘promptly’ means a few months, not days."

Maria Barbu
SC Manistef Servexim - Farming
Agricover, Romania

“Now that’s a combine!” beamed Maria Barbu as she watched her latest investment head for the fields in time for the 2012 harvest. “We were about to start harvesting when the old combine gave up the ghost,” Maria continued. “The repair costs would have been astronomical, and the combine would never have been ready in time. So we risked losing the whole crop. And renting was no option, either: that would have eaten up almost all the revenue and still left us without a combine for the next harvest”. When Maria met with a representative of Agricover Credit, a bank specialised in agricultural lending, Maria quickly saw that their expertise wasn’t just advertising, and that they understood farming.

After a loan over RON 150,000 (ca. EUR 27,000) made the down payment for a new combine possible, Maria and her Agricover advisor negotiated a working capital credit line to cover inputs, such as diesel fuel and fertiliser, for the next cycle.

“I started out ten years ago with 80 hectares,” said Maria, looking out over the golden fields. “Today we have 700 and a strong farming operation. And the right financial partner to stay in business and keep growing. A great harvest doesn’t wait for all the approvals from a banker’s office, especially not from one where ‘promptly’ means a few months, not days. We work with nature, so we follow her rhythm.”



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