Agri Financing — Qubik Finserv
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Agri

Financing that follows
the crop cycle.

Working capital and equipment financing for agri-businesses, processors and traders — structured around harvest timelines, not a fixed calendar.

Seasonal working capitalCrop cycles
Equipment financingTerm loans
Processing & storageBusiness loans
Agricultural field with crops ready for harvest
Sector expertise

Financing challenges we solve

Underwriting shaped by how agri businesses actually operate — not a generic scorecard.

Seasonal cash flow

Input costs are upfront, revenue comes at harvest — we bridge that gap for agri-businesses and traders.

Processing & storage infrastructure

Cold storage, warehousing and processing equipment need dedicated capital.

Buyer payment cycles

Payments from mandis, processors or exporters can lag — discount receivables instead of waiting.

Equipment & mechanisation

Financing for tractors, processing machinery and farm equipment for agri-businesses.

Common uses

What our agri clients fund

  • Funding input costs ahead of a harvest cycle
  • Building or upgrading storage and processing infrastructure
  • Discounting receivables from mandis, processors or exporters
  • Financing farm equipment and machinery
Why Qubik

Built for this sector

We pair the discipline of a regulated NBFC with underwriting that understands how agri businesses actually generate and receive cash — not a one-size-fits-all scorecard. Digital onboarding means indicative answers in 24–48 hours, so opportunity never waits on paperwork.

Talk to an advisor
Recommended for Agri

Products that fit this sector

These are the facilities our agri clients turn to most, but any product can be structured to your specific need.

Plan before you borrow

EMI Calculator

Move the sliders to see your monthly instalment instantly. No sign-up, no surprises.

₹10,00,000
₹50 K₹2 Cr
13.0%
8%24%
5 yrs
1 yr30 yrs
Monthly EMI
₹22,753
INTEREST36%
Principal amount₹10,00,000
Total interest₹3,65,180
Total payable₹13,65,180
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Indicative only · final terms subject to credit assessment

Questions, answered

Agri financing FAQs

Do you finance individual farmers or only agri-businesses?
Our focus is on agri-businesses, processors, traders and equipment financing rather than individual crop loans.
How is seasonality factored into repayment?
Repayment schedules can be structured around harvest and sales cycles rather than a fixed monthly calendar, where appropriate.
Can cold storage or warehousing be financed?
Yes, infrastructure financing for storage and processing facilities is available under our Business Loan product.

Ready to fund your agri business?

Share a few details and our team will get back to you with a transparent, personalised offer — usually within 24–48 hours.