Agro Széchenyi Card

A solution to cover liquidity gaps or unexpected expenses for micro, small and medium-sized agricultural businesses, primary producers and family farms.

A general-purpose revolving overdraft helping those working in agriculture to overcome temporary obstacles in financing or liquidity.

Key features of the loan:

Product feature Value



Maximum credit line:

HUF 0.5 to 25 million


up to 3 years

Interest rate:

1-month BUBOR + 2%APR*

Interest payment:

Quarterly, based on calendar year

*For loan agreements concluded between 1 January and 31 December 2013, state-subsidized discount on interest rate premium is provided, in accordance with Government Decree 1637/2012 (XII. 19.) for the first three years (1096 days).

The credit line may be used for any expenditures that are incurred in the interest of the Enterprise and can be accounted for under effective tax and accounting law.
The facility is subject to the unconditional payment guarantee by a private individual and the suretyship of the AVHGA Rural Credit Guarantee Foundation

For detailed conditions, refer to our Announcement for the Agro Széchenyi Card Loan.
The Product Information Sheet of the Agro Széchenyi Card Overdraft is listed among related documents.

Terms of eligibility:

  • The business must be registered in Hungary and be in operation for at least one full year.

  • The company profile must include any of the following NACE codes as the main or supplementary activity of the business: 011, 012, 013, 014, 015, 016, 017, 02, 10, 11, 12, 462, 463, 03 or 102

  • The business must comply with the terms stipulated in Act XXXIV of 2004 on Small and Medium-Sized Enterprises.

  • Credit lines above HUF 15 million require mortgage collateral.

  • Applicants cannot have tax arrears or overdue debt from any other lending agreement.

  • The business must comply with the criteria set forth by the AVGHA Rural Credit Guarantee Foundation.

  • The business must meet the conditions of creditworthiness of Sberbank Magyarország Zrt.

Applications for the Széchenyi Card can be submitted at the offices of the National Association of Entrepreneurs and Employers, the Chamber of Commerce and Industry and KA-VOSZ Zrt. In addition to the application form, a statement of participation must also be submitted.

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