TABRID Investment Credit

What is it?

The TABRID credit is a subsidized interest investment loan, dedicated to farmer-producers, aimed at securing their production and reducing post-harvest losses. It is intended for the construction of cold rooms and/or refrigerated warehouses.

The bank can finance up to 90% of the project amount. The TABRID credit is capped at 150 million dinars.

Projects must first receive technical approval from the agricultural services of the relevant wilaya.

Advantages

Financing up to 90% of the project: BDL covers up to 90% of the total cost, significantly reducing your personal contribution.

Zero financial cost: Interest is covered 100% by the Ministry of Agriculture for the entire duration of the loan (up to 10 years). You repay only the capital.

Repayment deferral: Benefit from a deferral of 1 to 5 years, allowing you to operate your facility before starting repayment.

Long repayment period: Up to 10 years, suited to the nature of long-term agricultural investments.

Generous utilization period: Between 6 and 24 months to mobilize the credit from the date it is set up.

Flexible repayment: Monthly, quarterly or semi-annual depending on your situation.

Improved profitability: Cold storage allows you to sell your production at the right time, avoid losses and optimize your income.

Institutional framework: Governed by a national agricultural agreement with technical validation by the wilaya's agricultural services and institutional monitoring by a joint committee.

Eligibility

The beneficiary must be a farmer holding a valid farmer’s card. Those concerned are:

Farmers who own private land

Concession holders of agricultural land under the State's private domain

Farmers organized in cooperatives

Producers whose output requires cold storage

Requirements:

Be an investor carrying out an agricultural activity

Operate as an individual (no obligation to be part of a company or cooperative)

Have legally exploited land: title deed, concession deed or valid lease agreement

Hold a farmer's card or be registered with the competent agricultural bodies

Have a Tax Identification Number (NIF)

Have a regular administrative status (identity documents, residence)

Not be in default on previous loans

Be able to demonstrate repayment capacity linked to agricultural activity

Present a project plan approved by the wilaya's agricultural services

Financing Duration

Total loan period: 10 years

Repayment deferral: 1 to 5 years

Credit utilization period: maximum 6 to 24 months from the setup date

Application processing time: maximum 30 days (complete and compliant file)

Financial Conditions

Maximum amount: 150,000,000 DZD

Financing ratio: up to 90% of the total project cost

Interest rate: fully subsidized (100%) — no interest charged to the beneficiary if repaid on time

Repayment frequency: monthly, quarterly or semi-annual

Application processing fee: 10,000 DZD

Notification commission: 10,000 DZD

Management commission: 10,000 DZD

Important: The subsidy is lost in the event of total or partial non-repayment of the principal at maturity. The interest due and late payment penalties then become the responsibility of the beneficiary.

Guarantees

Coverage by the Agricultural Guarantee Fund via the Investment Credit Guarantee Fund (CGCI-PME)

BDL may require additional guarantees depending on the application profile

What this credit finances

Construction of cold rooms (capacity between 300 m³ and 5,000 m³)

Construction and equipment of refrigerated warehouses

Acquisition of refrigeration equipment and materials

Civil engineering works related to refrigeration infrastructure

Any investment technically approved by the wilaya's agricultural services

The +

Benefit from agricultural investment financing of up to 150 million DZD, interest-free, on presentation of:

Valid farmer's card

Tax Identification Number (NIF)

Title deed, concession deed or valid lease agreement

Project technically approved by the wilaya's agricultural services

Subject to file analysis and applicable financial conditions.

S'inscrire

Visit the nearest BDL branch

Bring your documents with you.

Prepare and submit your application.

Submit the complete application to your account manager (processing ≤ 30 days).

Approval & fund disbursement

The loan is approved, and you can access the financing within 3 to 9 months.

FAQ

Why choose the TABRID credit?

Because it allows you to secure your agricultural production and significantly reduce post-harvest losses through cold storage, without bearing the cost of interest.

How much can I obtain?

Up to 150 million dinars, with financing covering up to 90% of the project cost. Your minimum personal contribution is therefore only 10%.

Is the interest really covered?

Yes. The TABRID credit benefits from full interest subsidization (100%) for the entire duration of the loan, provided repayment is made on time. You only repay the capital.

Can I start repaying later?

Yes, you benefit from a deferral of 1 to 5 years, allowing you to install and operate your refrigeration infrastructure before beginning repayment.

I am a concession holder, am I eligible?

Yes. Concession holders of land under the State's private domain are expressly eligible for the TABRID credit.

How long do I have to use the credit?

Between 6 and 24 months maximum from the date the credit is set up, giving you plenty of time to start the work.

What happens if I don't repay by the deadline?

The subsidy is lost. The interest due and late payment penalties then become entirely the responsibility of the beneficiary.

Why invest in cold storage?

Cold storage allows you to sell your production at the most profitable time rather than during surplus periods, avoid post-harvest losses and significantly improve your profitability.

Is technical approval mandatory?

Yes. Your project must first receive technical approval from the agricultural services of the relevant wilaya. This is an essential condition before submitting the file to BDL.

What if my project is delayed?

The repayment deferral (1 to 5 years) and the utilization period (up to 24 months) give you a comfortable margin to install and start your infrastructure before beginning repayment.