How leasing helps farmers maintain financial stability during the sowing season

Spring is one of the most critical and financially challenging periods of the year for agricultural producers. During this time, farmers purchase seeds, fertilizers, crop protection products, and fuel, and prepare equipment for the fields. Therefore, during the sowing season, it is especially important to maintain the financial stability of the farm and ensure the smooth running of seasonal work.

Under these conditions, leasing is becoming one of the most effective tools for supporting agricultural businesses.

KazAgroFinance JSC continues to provide agricultural producers with affordable financing for the acquisition of modern machinery and equipment. Today, the company remains one of the key institutions for the technical modernization of Kazakhstan's agro-industrial complex.

Over the years, the company has financed more than 102,000 units of agricultural machinery and equipment, and the total investment in the agro-industrial complex has exceeded 2 trillion tenge.

During the planting season, it is especially important for farmers to preserve working capital. Instead of making a large one-time payment for equipment, leasing allows them to spread payments over several years. This allows farmers to use their financial resources for seasonal work, such as purchasing seeds, fertilizers, fuel, and other production costs.

Furthermore, timely equipment upgrades help minimize the risk of downtime during peak field work. Modern tractors and seeding systems allow for optimal agricultural timing, increasing productivity and the quality of the sowing campaign. This directly impacts future yields and farm efficiency.

Today, KazAgroFinance JSC implements preferential financing programs for agricultural machinery. Specifically, farmers have access to leasing programs with rates starting from 5% per annum with financing terms of up to 7-10 years, depending on the equipment category.

The company is also actively developing digital services. Farmers can apply for equipment financing online, which is especially convenient during peak seasonal periods.

By the end of 2025, KazAgroFinance JSC delivered 10,393 units of agricultural machinery worth 268.9 billion tenge to farmers. This is one of the highest figures in recent years.

Today, leasing for agricultural producers is not only a tool for acquiring equipment but also an opportunity to maintain business stability, conduct sowing campaigns on time, and plan for further farm development.