The bankability of farms is determined by more than land area and eligibility for subsidies. According to reports by the National Bank of Romania and European financial institutions, the key criteria are income predictability, financial discipline, and capital structure.

Subsidies provide partial stability; however, banks focus primarily on a farm’s ability to generate cash flow independently of public support. The absence of clear financial records or the mixing of personal and farm-related expenses significantly reduces access to financing.

Public guarantee instruments have helped facilitate access to credit, but they do not eliminate economic risk. European data show that guarantees cover part of the bank’s exposure, not the farm’s performance. In the absence of a solid financial structure, credit itself becomes a source of vulnerability.

By 2026, the gap between financeable farms and those excluded from credit access is widening. From an economic perspective, bankability is becoming a competitive advantage in its own right.

(Photo: Freepik)