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Agrifood Guarantee Fund (Agricultural Entrepreneurship Fund) – 70% guaranteed bank loans

Agricultural Entrepreneurship Fund · CAP Strategic Plan 2023-2027

Ελληνική Αναπτυξιακή Τράπεζα – ΕΑΤ (Hellenic Development Bank – HDB)

In plain words

A new HDB programme for farmers and agrifood businesses: bank loans with a 70% guarantee, an interest subsidy of up to 4 points for up to 4 years and free advice worth up to €1,600. Not open yet – applications are expected in autumn 2026, once the banks are selected.

Who can apply

The whole agrifood chain: from individual farmers (primary production) to businesses of any size processing agricultural products.

What it pays for

Investment loans of €25,000–€3,500,000 (2–15 years) and working-capital loans of €25,000–€500,000 (2–5 years), with a 70% guarantee, interest subsidy of up to 4% for up to 4 years and tiered advice up to €1,600.

What must be true for you

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  • A farmer or a business in primary production or processing of agricultural products.
  • Credit approval from the partner bank.
  • Detailed terms will be published when the programme opens.

How to apply

  1. Watch hdb.gr for the list of partner banks and the start of applications.
  2. Prepare a business plan, quotes and financial data for the farm/business.
  3. Apply as HDB will specify (in its other programmes: the KYC platform kyc.hdb.gr plus the bank).
  4. The bank assesses, approves and signs the loan with the HDB guarantee.

Where to apply: Μέσω συνεργαζόμενων τραπεζών (θα ανακοινωθούν· hdb.gr) / Through partner banks (to be announced)

Deadline

HDB invited banks on 31 Aug 2026; applications from farmers and businesses are expected to open in autumn 2026.

Sources we read

Research notes: HDB news of 31.08.2026: the Agricultural Entrepreneurship Fund has €160m of CAP Strategic Plan 2023-2027 public money across three instruments (HDB's Thessaloniki Fair release, Sept 2026, cites a €365m fund). Eligibility period to 30.09.2029. Funded by the CAP plan but run by HDB through banks – may overlap with the CAP researcher's records. First instrument: €80m public funds expected to mobilise €250m of loans.

See also