Description

This formula can be advantageous for both the seller-lender and the buyer. It allows the owner of a farm business to be the lender to the buyer or buyers of his/her/ business. La Financière agricole offers a loan guarantee.

• Represents an investment that is 100% guaranteed by La Financière agricole.
• Makes it possible to receive payments in the form of a monthly pension.
• Makes it possible to gradually transfer the business.
• Offers support for administering the loan.

• Offers a better interest rate.
• Allows you to benefit from the expertise of our qualified staff.
• Allows you to benefit from the Financial Support Program for Aspiring Farmers.
• Minimizes the risk of interest rate hikes over a ten-year term.
• Allows you to obtain a reimbursable tax credit of 40% of the interest paid through this formula. This refundable tax credit applies to agreements entered into before January 1, 2025. After that date, it no longer applies to new applications.
• There are no administrative costs for follow-up.

Another advantage for the borrower is better protection against interest rate hikes and an interest rate linked to your training level.

We support both the seller-lender and the buyer throughout the term of a loan granted through this formula.