Cultivate Farming Loan

Looking for quick and easy finance tailored to your evolving farming needs?

Meet Cultivate, our latest Agri Lending solution designed to support farmers with short to medium term financing, helping develop and future-proof their businesses.

Apply for Cultivate Today!

Begin the process by filling in this form

Call and ask for our Business Development Officer

Visit any of our 9 branches

Documents you Need to Apply for a Cultivate Loan

Every application is different and we will speak to you directly about what documents we will need and can work with you and your accountant to arrange this.

At a minimum though most Cultivate applications will require:

Agri Lending Fact Find – which can be found on our forms page
Most recent 2 year’s certified/audited accounts
Confirmation from accountant that tax affairs are up to date
Notice of assessment

Business Plan & Projections for loans greater than €25,000 or new enterprises
Personal & Farm bank statements
Statement of direct payments

Why choose an SCCU Apply for a Cultivate Farming Loan?

Benefits Of Our Cultivate Agri Loan

Flexible repayments with Cultivate, our Agri Lending product.
Direct contact with a real person in branch or by phone
Quick and clear decision making from a local lender
Interest is charged on the reducing balance of the loan.
No penalties for early repayment.
No transaction, administration, or set-up costs for borrowers, ensuring accessibility and practicality.

Farmers play a crucial role in combating climate change with their soils, hedgerows and forestry serving as carbon sinks. Farmers have a proven ability to adapt and St. Canice’s Credit Union will strive to support farmers who are seeking financing for environmentally beneficial projects.

Cultivate Loan Rate

The Cultivate Agri Lending product offers a maximum unsecured loan amount of €75,000, with a flexible loan term ranging from 1 to 7 years, at a competitive rate of 6.55% and an APR of 6.75%.

Frequently Asked Questions

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What can I borrow for?

We will lend for most farming purposes such as new or second hand machinery, farm buildings or handling facilities, purchase of livestock, working capital etc. If you need to clarify anything you can contact our team to talk you through it.

Do you lend to Limited companies or partnerships?

Yes, you will need to open an account for the limited company or partnership and it must be located and the majority of partners/directors must be living within our common bond area. If you satisfy these requirements, a cultivate loan can be applied for by the company or partnership.

Do I have to be a long term member of the Credit Union before applying?

No, you do have to be a member/have an account with us but you can apply for a cultivate loan on the same day you open your account.

Do I have to visit a branch to apply?

You can apply in branch, by phone or we can even visit you at your farm to get the ball rolling on your application. We will facilitate you any way we can in applying for a loan.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. Terms and Conditions and normal lending criteria apply.

Important Links

Agri Lending Fact Find Form

Our Loan Schemes

Featured Products

Cultivate Farming Loan

Looking for quick and easy finance tailored to your evolving farming needs?

Apply for Cultivate Today!

Documents you Need to Apply for a Cultivate Loan

Every application is different and we will speak to you directly about what documents we will need and can work with you and your accountant to arrange this.

Why choose an SCCU Apply for a Cultivate Farming Loan?

Frequently Asked Questions

Important Links

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