Deferred payment
from 12% a year
Additional income in currency equivalent
The yield and settlement period are agreed individually.
On transfer Products handed over
On the agreed date Full payment and additional income
AL PARI AGRO · Programme
Sell agricultural products in Ukraine — with additional income
Where the market stops, we buy.
AL PARI AGRO buys batches of agricultural products worth $1M or more.
from 12%
a year — additional income for deferred payment. The yield is agreed individually.
Currency peg
Payments under the contract are pegged to a currency equivalent.
from 60 days
settlement period for the products
up to 20%
initial payment on contracts from $2M. Terms for large contracts are agreed individually.
Market situation
Exporting is getting harder. Storing products costs money
The programme lets you sell the goods now with the price fixed, pass product and logistics risks to the buyer and earn additional income for the payment deferral period.
Problem
Everyone is waiting for a buyer and an acceptable price
You don’t have to do this.
AL PARI GROUP solution
Sell the batch of goods at the market price and earn additional income for deferred payment.
Problem
Products sit in storage — costs keep rising
Every month of storage cuts your profit.
AL PARI GROUP solution
Once the products are transferred, storage and sale are our job.
Problem
You need money for the season
Running costs can’t wait.
AL PARI GROUP solution
We agree the size of the initial payment and help with bank financing so you get money sooner.
Subject to bank approval Problem
A large batch is hard to sell to a single buyer
Several buyers — different prices, payment terms and delivery conditions.
AL PARI GROUP solution
We buy large batches of products on agreed terms. One buyer, one price and a clear payment schedule.
How the deal works
We buy your products at the market price with additional income on deferred-payment terms
We agree the payment schedule and the exact yield individually. Payment is secured by a mortgage on our own commercial real estate. We will calculate payment amounts and dates for your batch of agricultural products.
- Stage 1
Batch transfer
You transfer the agreed batch. The price is fixed in the contract. Once ownership passes, product and logistics risks pass to the buyer.
- Stage 2
Deferral period
Settlement takes 60 days or more. For the deferral period, additional income is accrued on the unpaid value of the products. Payments under the contract are pegged to a currency equivalent.
- Stage 3 · Additional option
Money before final settlement
You can receive part of the money earlier — as an initial payment when the products are transferred and through bank financing on agreed terms.
- Stage 4
Final settlement
By the date set in the contract the buyer pays the remaining value of the batch and the agreed additional income.
Mortgage security
Mortgage drawn up and registered Batch transferred
We draw up and register a mortgage on commercial real estate, and you transfer the batch of goods at the same time.
Deal example
How much you receive, and when
Illustrative example: market value of the batch UAH 100M, payment deferral — 6 months, additional income — 12% a year.
Sale at the market price today
UAH 100M Now
Sale under the AL PARI AGRO programme
UAH 106M In 6 months
Additional income — UAH 6M over 6 months
Advantage for large batches
Large volume — sell without a discount to the price
When a large batch with a market value of UAH 100M is sold, the buyer may demand a discount, reducing the actual selling price.
AL PARI AGRO buys this batch at the full market price — UAH 100M, with no volume discount. Over the 6-month deferral you receive an additional UAH 6M of income — UAH 106M in total.
Keep the full market value of your products. Earn more from selling them.
Important
The yield and payment schedule are agreed individually. Payments are pegged to a currency equivalent. In the example the amounts are given at an unchanged exchange rate and with no initial payment.
Terms
Choose how you are paid
Individual terms for every deal. Additional income, currency peg of payments and mortgage security.
Money sooner — in both models
Bank financing that keeps the programme terms
Receive funds before final settlement while keeping your right to the agreed additional income from AL PARI AGRO.
10% a year in hryvnia
If the state programme’s conditions are met and the bank approves.
We calculate the financing amount and the income after bank costs individually.
For large batches — individual financial terms and a flexible payment schedule.
Comparison
Which pays more over six months: deferred payment or storage
The same batch, with a market value of UAH 100M.
| Over 6 months, UAH M | Programme | Storage |
|---|---|---|
| Batch value | 100 | 100 |
| Income for deferred payment, 12% a year | +6 | 0 |
| Storage costs while waiting | 0 | −3 |
| Total | 106 | 97 |
| Net result | +6 for the deferral | −3 at an unchanged price |
UAH 9M
The difference in this example, over 6 months, in favour of the programme.
+9%
With these costs, the price after storage would have to rise by more than 9% to beat the programme’s UAH 106M. At exactly 9% the results are equal: 109 − 3 = 106. This is the scenario’s break-even point, not a price forecast. With cheaper storage the threshold is lower.
6 months; no advance or loan; the future sale price does not change; 12% a year is the example’s term. Storage costs: 0.5% of the batch value a month, UAH 3M over 6 months. Rate and volume are illustrative, not a market quote. Taxes and other costs are not included. In the programme scenario the buyer bears the storage costs.
Bank financing
The same UAH 75M today — a different financial result in 6 months
Get bank financing for current needs while keeping the chance of additional income from selling your products to AL PARI AGRO.
Subject to bank approval UAH 100M batch
UAH 75M loan now (75%)
10% a year
6 months term
at the end principal repaid
You store the product and borrow against it
- Loan interest
- −3.75
- Storage
- −3
- Income for deferred payment
- 0
Result over 6 months
−UAH 6.75M The future sale price is unknown, and the losses are already incurred.
You sell the batch to AL PARI GROUP and get bank financing
- Loan interest
- −3.75
- Storage
- 0
- Income for deferred payment from AL PARI GROUP
- +6
Result over 6 months
+UAH 2.25M Income from AL PARI GROUP fully covers the bank interest.
Amounts in UAH M, illustrative example. Interest: 75M × 10% / 12 = 0.625M a month; storage 0.5M a month. A loan is debt, not revenue: the 75M is repaid to the bank at the end of the term in both options. The same bank terms are assumed for the programme.
Payment security
A mortgage is not a way of paying, but it creates reliable, protected security
Coverage ratio
coverage of the obligation in our examples
Payments under the programme are secured by commercial real estate.
Property check
You check the property in advance — documents, value and sufficiency of the security — before the deal.
Legal protection
We secure the payment obligation by registering the mortgage at the same time as the products are transferred.
Protection against non-payment
If force majeure prevents the buyer from paying, the seller is protected by the mortgage: the contract provides for out-of-court enforcement in the seller’s favour, by selling the property or taking ownership of it against the debt.
- Buyer fails to meet the obligation
- Out-of-court enforcement
- Sale of the property Ownership of the property
- Funds applied to the debt
Under the terms of the contract and following the procedure set by law.
Who the buyer is
Capital, an operating business and assets
AL PARI GROUP is a financial and industrial group with a long history of investment, international trade and work with real assets.
01 · Capital over $500M
invested in completed projects
Since 2008Since 2008 the Group has invested its own capital in a range of businesses. Completed projects include:
- Alpari Bank founded, grown and sold to a foreign investor
- Cash Up a microlending service, founded, scaled and later sold to Ukrainian and foreign investors
- Alternative energy investment assets sold after development and reaching their target value
02 · Operating business International markets
active trading
The Group trades actively and has well-developed relationships with counterparties in Asia, Africa and the Middle East.
Current contracts → product supplies, including agricultural products
Buying agricultural products is part of the Group’s existing trading business.
03 · Tangible assets over $150M
in commercial real estate
Property portfolio → a specific property → mortgage for the deal
One of the Group’s commercial properties is mortgaged to the seller as security for the deal.
Accumulated capital, active trading and the Group’s own property base work together as one foundation for its investment programmes and trade deals.
AL PARI GROUP portfolio What you get
Six reasons to sell through the programme
12% a year and moreIncome for deferral
Deferred settlement means an agreed increase in the amount, so the product sells for more.
USD / EURCurrency equivalent
The batch value and income are pegged to the US dollar or euro equivalent.
WarehouseNo export needed
Sale from a warehouse or elevator, or loaded onto the buyer’s transport. Logistics and further sale are the buyer’s job.
0Storage costs
After the sale, the costs of storage and of maintaining quality and quantity pass to the buyer.
Up to 20%Progressive initial payment
For deals from $2M, the initial payment can be raised to 20%.
Coverage ratioSecurity with a margin
A mortgage on real estate worth more than the obligation (ratio in the example).
Deal steps
From agreeing terms to full settlement
-
We agree the batch size, the settlement period and the initial payment (under the programme terms).
-
We agree the market price, the additional yield, the currency peg of payments and the mortgage security.
-
We sign the product sale and purchase agreement and the mortgage agreement.
-
We register the mortgage and sign the product acceptance certificate. By agreement, we make the agreed initial payment.
-
By the dates set in the contract, we pay the remaining value of the batch and the agreed additional income.
Next step
Book a 30–60 minute meeting Let’s discuss the details of the sale of your batch
We will walk you through the programme and discuss the details: price, initial payment, timing, your income and security.