We are a trading company, not a lender or a financial institution. We buy and sell agricultural products and work with producers on commercial terms. We provide no financial services and offer no investments.
Agricultural trading · Kyiv
Money paid in spring buys grain that does not exist yet
Investahroprodukt TOV works with grain and oilseed producers in Ukraine: purchasing, forward arrangements and the practical business of moving a harvest from a field to a buyer.
The centre of that business is an uncomfortable fact. A producer needs money for seed, fuel and fertiliser months before there is anything to sell, and a buyer who advances it is paying for a crop nobody has yet grown. Both sides need that arrangement to be more than trust.
Select a stage. Financing happens before anything grows — which is why the paperwork matters.
The instrument
The agrarian receipt: a promise with a registry behind it
Ukraine has a purpose-built instrument for exactly this problem. An agrarian receipt is a document by which a producer undertakes to deliver agricultural products, or to pay for them, against a future harvest — certified by a notary and entered in a state register, which is what separates it from an ordinary contract that lives in a drawer.
Type one
Commodity receipt
The obligation is settled in goods: an agreed quantity and quality of product, delivered at an agreed time and place.
Type two
Financial receipt
The obligation is settled in money, with the sum determined by reference to the agreed product and its price.
It is notarisedA notary certifies it. That step is not decoration — it is part of what makes the instrument what it is.
It is registeredEntered in the state register of agrarian receipts, so that it is visible rather than private between two parties.
It is secured by the future cropThe pledge attaches to the harvest to be grown on identified land, which is why the land and the planting matter as much as the signature.
It is enforceableUkrainian law provides for enforcement without the full course of ordinary litigation. Check the current procedure — the rules have been amended more than once.
Before advancing money to anyone
Six checks on the other side of the table
These apply to us as a buyer and equally to a producer deciding whom to deal with. Nothing here replaces a lawyer, and on sums of this size a lawyer is cheap.
1
Who holds the land, and on what basisOwnership or lease, for how long, and whether the plots named in the documents are the plots that will actually be sown.
2
What is already pledgedA crop can be promised twice. The registers exist so that this is discoverable — search them before paying, not afterwards.
3
Whether the numbers are realisticArea, expected yield and the advance requested should line up. An advance that assumes a record yield is a loss waiting for a dry August.
4
What happens if the harvest failsWeather, disease, occupied or mined land. Agree in writing, in advance, what each side does — that clause is the entire point of the document.
5
Delivery terms in detailQuality parameters, moisture, weighing, the elevator, who bears transport and who bears losses in storage. Most disputes live here, not in the price.
6
Payment through accounts, alwaysBank transfer to the counterparty's own account against documents. Cash arrangements protect nobody and make every later argument unwinnable.
What we do
Trading and producer arrangements
Purchasing
Buying grain and oilseeds from producers on written terms, with quality and delivery defined before anything moves.
Forward arrangements
Agreeing price and volume ahead of the season, documented properly rather than on a handshake.
Logistics coordination
Elevator, weighing, transport and documents — the part where value is quietly lost if nobody is watching.
What we are not: we are not a bank, a credit union or a financial company, we hold no licence for financial services, we do not lend money as a business and we offer no investment to anyone. Advances to producers are commercial prepayments under supply arrangements, secured and documented, not consumer or business credit.
Questions
Asked by producers
i.Is an advance the same as a loan?
No. It is payment on account under a supply arrangement, settled in product or by the agreed mechanism. The obligation is to deliver, not to repay with interest — which is a materially different thing, and the document should say so plainly.
ii.What if the harvest is worse than expected?
Then the terms agreed in advance decide what happens, which is exactly why they should be negotiated when nobody is under pressure. Any serious counterparty will discuss this scenario before signing rather than avoid it.
iii.Do I need a notary?
For an agrarian receipt, notarial certification and registration are part of the instrument. If somebody proposes to skip either step, what you are signing is something else — and it carries none of the protection you were promised.
iv.Can I pledge the same harvest to two buyers?
You should not, and the registers make it discoverable. Doing so ends in enforcement against you from two directions at once.
v.How do we start?
Tell us the crop, the area, the plots and the timing. We will set out what we can offer and what documents it would require, before anyone commits.
Contact
Producers and buyers welcome
For grain and oilseed business. We do not take deposits, lend to the public or accept investment enquiries.