Individual Agri Loans (Akia)

Get State-Backed AKIA Agricultural Loans Collateral-Free and at Low Interest Rates

Get subsidized agro loans from 1,000 AZN to 15,000 AZN at lower interest rates for your agricultural business. Apply now!

Why Choose This Loan?

Your ally in the field of agriculture, offering the Agri Loan that empowers your aspirations.

  • Lower Rates
    Annual interest rate starts from 12%.

  • Government Support
    Partnership with AKIA strengthens trust and relevance.

  • Flexible Terms
    6–36 months with grace period up to 9 months.

  • Collateral-Free
    Get a loan without pledging your assets.

Loan Terms

We value responsible lending. Our qualifications are based on fair and transparent criteria.

  • Minimum Amount
    1,000 AZN

  • Maximum Amount
    15,000 AZN

  • Term
    6-36 months

  • Annual Interest Rate
    from 12%

  • Effective Annual Rate
    14%-23%

  • Grace Period
    up to 9 months

Who Can Apply?

This loan is designed for farmers who meet the following criteria:

  • Farmers engaged in crop production and seasonal activities

  • Entrepreneurs running livestock-focused agricultural operations

  • Small and medium enterprises in the agricultural value chain

  • Applicants with tax registration and EAIS eligibility

How to Apply?

AKIA’s discounted loans and grace period are your steppingstones to growth.

  • 1

    Apply Online
    Fill out the official online application form.

  • 2

    Initial Review
    Our team reviews your application information.

  • 3

    Assessment
    We assess your credit eligibility.

  • 4

    Fund Disbursement
    Upon approval, funds are transferred to your account.

Start your application

Applying for a loan with us is a straightforward and convenient process


Frequently Asked Questions

This loan is designed for farmers and rural entrepreneurs engaged in agricultural activities.

The loan amount ranges from 1,000 to 15,000 AZN.

Annual nominal interest rate starts from 12%. Effective annual rate is 14%–23%.

Yes, a grace period of up to 9 months is available.

We are always happy to talk!

Request a callback.