Project financing with AGILOR credit

Administrative Support Service

In the agricultural sector, investing in high-performance, long-lasting equipment is essential to ensure productivity and competitiveness. However, acquiring such equipment often represents a significant financial challenge for many farmers and agricultural operators. AGILOR offers an innovative and tailored financing solution, enabling you to finance your agricultural equipment directly through Arsilac, a trusted supplier of quality industrial equipment. This partnership between AGILOR and Arsilac provides professionals with a unique opportunity to modernize their operations with custom financing options.

⚠️
This service applies only to equipment purchased from Arsilac.
For any other project, financing requests must be made directly through
⭢ Crédit Agricole

ADMINISTRATIVE COMPLEXITY

The growing diversity of paperwork, time-consuming procedures, and ever-changing regulations can significantly disrupt the day-to-day operations and financial stability of farms and agricultural businesses. Our solution to the financing process : Arsilac supports you through every step of the administrative journey. Save time and simplify your application with the help of our team. We assist you in preparing your application file and follow its progress with you — every step of the way. Let us help you secure the financing you need to bring your projects to life.

A Flexible and Fast Financing Solution

Access to suitable financing is often a barrier to investing in agrofood, winemaking, or industrial equipment. To support professionals in their equipment projects, Arsilac offers a simple, fast, and customizable credit solution: Agilor financing. Designed to meet the specific needs of the viticulture, agriculture, and industrial sectors, this solution allows you to finance the purchase of new or used equipment.

Whether you're investing in stainless steel tanks, pressing equipment, peristaltic pumps, or complete processing units, Agilor financing offers flexible terms and easy implementation.

How Does Agilor Work ?

Agilor is an agricultural financing solution developed by Crédit Agricole, designed specifically for the purchase of operating equipment by professionals in the agricultural, winemaking, brewing, food processing, and industrial sectors.

Accessible directly through approved suppliers like Arsilac, this program allows you to :
- Finance equipment over 1 to 10 years
- Choose a repayment method tailored to your business cycle
- Benefit from technical and administrative support
- Receive a preliminary response within 48 hours after submitting your application

💡 A loan simulation can be performed in advance.

Indicative Rates (PACA region – 12/05/2024)
• 1 to 5 years ➝ 3.40%
• 6 to 7 years ➝ 3.50%
• 8 to 10 years ➝ 3.70%

_
* ⚠︎ Latest rates communicated on 12/05/2024 by the PACA regional agency : CRÉDIT AGRICOLE – AGILOR ALPES PROVENCE. Rates are revised monthly depending on the region and market conditions. Personalized financing studies are available upon request or through your dedicated Agilor V2 account.

Financing Terms Tailored to Your Cash Flow Reality

Sales cycles, harvest uncertainties, and production rhythms have a direct impact on your cash flow. That’s why Agilor offers customized repayment schedules aligned with your forecasted income. Repayments can be deferred until the end of your season or adapted to match your projected revenue streams.

Loan Conditions :
• Term: 1 to 10 years
• Repayment schedule: annually, semi-annually, quarterly, or monthly
• Deferred payment: up to 21 months depending on cash flow needs
• Application handled and submitted by Arsilac to the financing institution
• Response within 48 hours upon receipt of the complete file
 
Eligible Equipment :
• Stainless steel tanks (304 / 316)
• Pumps, filters, heat exchangers
• Bottling and packaging lines
• Specialized winemaking or food-processing equipment

Agilor V2: A Dedicated Platform to Manage Your Financing Request

Current Agilor rates may vary depending on your file review and the region concerned. For a personalized simulation, Arsilac will contact an Agilor administrator to evaluate your request. A response is usually provided within a few days for remote project reviews. For urgent requests, a simulator is available to help you quickly estimate your financing independently.

Thanks to the Agilor V2 online platform, accessible from any device, you can :
• Create a financing application in under 5 minutes
• Simulate a loan and track the status of your file
• Propose electronic signature to the end customer
• View applicable conditions (rates, terms, repayment schedules)

⮕ Access is granted via Agilor V2 login, using your personal credentials provided at registration.

With AGILOR and Arsilac, producers have access to a financing solution that is tailored, innovative, and sustainable — helping them face today’s challenges and build long-term resilience. By choosing AGILOR, you're securing a prosperous and sustainable future for your business.

✖ Uncertain about the feasibility of your project ?

Investing in high-quality professional equipment means contributing to the success of your production and the satisfaction of your clients. If you have any questions or would like more information about financing options suited to your operation, don’t hesitate to contact an Arsilac advisor. Let us help you find the right solution for your business needs.

faq Agilor Credit

1. What is the Agilor interest rate ?
   Rates vary depending on the loan duration, region, and economic conditions. As a reference, Agilor 2025 rates for the PACA region are : 3.40% for 5 years / 3.50% for 7 years / 3.70% for 10 years. To check the current Agilor rate, contact an advisor or log in to the Agilor V2 platform.
   
   
2. What is the Agilor loan rate for 2025 ?
   Indicative rates are updated monthly. For 2025, the latest published rates range from 3.40% to 3.70%, depending on the term. The Agilor loan simulator allows you to adjust these figures precisely to match your project.
   
   
3. How does Agilor work ?
   Agilor is a financing solution managed in partnership with approved suppliers. Arsilac prepares and submits the application file, which is then reviewed by the financing institution. You’ll receive a response within 48 hours of submission. Repayment terms can be deferred and tailored to your cash flow needs.

📍 Good to Know

To ensure financial security for farming operations and improve the overall quality of Agilor loan applications, increased attention is now given to borrower insurance coverage (ADE). When no borrower insurance was taken out at the time of signing the Agilor contract, the applicant will be invited to a financial advisory meeting at their local Crédit Agricole branch. This additional processing time applies only to applications without ADE insurance at signing.

Electronic signature simplifies the process.

For contracts signed on paper
The date on the application must match the rate schedule in effect at the time of signing. The signed contract must be submitted within 7 days. .

The agreed loan conditions — especially the interest rate — remain valid only if the equipment is delivered within 12 months and 8 days of the loan offer issuance date.

Update on contractual conditions :
The interest rate indicated will apply only if the equipment financed is delivered within 12 months and 8 days from the date of the official Loan Offer. If the equipment is delivered after this period, and if the TEC 3 (3-Year Constant Maturity Rate) has increased by at least 50 basis points between the offer date and the delivery date, the applicable rate will increase by 0.50%. In this case : The lender will issue a written notice to the borrower / A revised amortization schedule will be provided. The TEC 3 is a publicly available French Treasury benchmark rate with a constant 3-year maturity, and can be accessed on the official Banque de France website.

Rate tables and current schedules are available on the Agilor V2 platform ⭢ https://v2.ca-agilor.fr/ 

#agriculture #credit #financing #project #purchase #investment

_
Disclaimer : This article is for informational purposes only and does not constitute professional advice. Readers are advised to consult certified experts and comply with industry-specific regulations.