Agriculture loan

Agriculture loans are tailored to acquire capital for various purposes such as expansion, inventory purchase, equipment acquisition, hiring staff, or to manage day-to-day operational expenses. The terms and conditions of these loans vary depending borrower's creditworthiness, collateral, repayment tenure and other factors.

PL0003211

Goal
98,000 €
Raised
5,925 €
6%
Return rate
From 12.9%
Rating
B
Period
48
Time left
LTV
50%
Country
Lenkija
Loan purpose
Apyvartinio kapitalo padidinimui
Business information
Security measures
Loan history
Project owner Address
Xxxxxx Xxxxłxxxxx Xxxxxńxxx
Xxxxxxx 10, 22-510 Xxxxxxx
header_1 Declared Owned
Farming land116.00 ha36.00 ha
20252024
Revenue 314,122.20 € 288,140.60 €
Net profit - -
Equity ratio - -

Investicijos skaičiuoklė

Pasirinkine vieną iš siūlomų arba įveskite investicijos sumą, kad pamatytumėte palūkanų normą ir preliminarų uždarbį.
Palūkanos

12.9%

Preliminarus uždarbis

0.00 €

Svarbu:
Skaičiuoklės rezultatai yra preliminarūs, kadangi nurodytas uždarbis yra pagrįstas preliminariu paskolos grąžinimo grafiku.
Palūkanų normos:
Investuojant nuo 100 € - 12.9% Investuojant nuo 500 € - 13.5% Investuojant nuo 1,000 € - 13.8% Investuojant nuo 2,000 € - 13.9% Investuojant nuo 5,000 € - 14% Investuojant nuo 10,000 € - 14.1% Investuojant nuo 20,000 € - 14.3% Investuojant nuo 30,000 € - 14.6%
Project description
Documents
Payment schedule
An experienced farmer who inherited a 36-hectare farm in 2009. To date, he has supplemented the area with additional leased land – 30 hectares of arable land and 50 hectares of grassland – creating a diversified land base of 116 hectares, which is actively managed. The farm has a strategic location conducive to development and clear plans for growth. Farm overview and assets Land distribution: Rapeseed – 16 ha Wheat – 20 ha Triticale – 4 ha Barley – 4 ha Corn – 18 ha Alfalfa – 4 ha Meadows – 50 ha This well-diversified crop structure spreads risk across multiple commodities while optimizing soil and climate suitability. Livestock herd: 10 bulls 50 cows 25 heifers The herd composition allows for both milk and beef production, providing stable cash flow from multiple revenue streams. Value of machinery and equipment: Modern, high-value fleet, including New Holland tractors (2013, 2010, 2000), Aruella sprayer (2016), CLAAS Dominator combine harvester (2002), and the latest Eurotrak loader (2024) Additional diversified equipment for sowing, harvesting, fertilizing, and animal husbandry, with a total investment value well over €1 million. The farmer plans to: Increase herd size, increasing milk and beef production capacity. Purchase new machinery to increase operational efficiency and reduce downtime, which is critical to the growth of the business Build special shelters or halls for cattle, improving animal welfare and productivity and enabling further herd expansion Justification for the investment Experienced management: Over 15 years of experience in agriculture with inherited core assets Significant land control: 116 hectares under direct management, combining owned and leased land to provide operational flexibility Asset security: high-value machinery and land provide security for financial partners. Growth and diversification: targeted recapitalization will accelerate herd expansion and the development of necessary infrastructure. Revenue stability: balanced income streams from diverse crop production and animal husbandry minimize sector risk. Modernization: use of the latest agricultural technologies to optimize yields and labor productivity. Use of funds The investment funds will be used for: Purchase of 20 dairy cows Construction of barns and modernization of farm infrastructure Working capital to support herd expansion and cover seasonal operating costs This description highlights the scale of the farm, its asset base, and specific development plans, positioning it as a solid investment with tangible collateral and clear value drivers.
Active loans balance: Collateralized - € 26260 Uncollateralized - € 0
Active loans total: € 26260

Project risks

For this project, there is a risk of losing all the profits made and the funds invested.

In this case, if the Project Owner fails to fulfill its obligations, the Platform Operator will take all necessary measures to protect the interests of investors and use the provided collateral, but the Platform Operator does not guarantee the full fulfillment of the Project Owner's obligations.

Financial agreements are not subject to the insurance protection established by the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania.

Additional information:

If the project owner does not collect the amounts to be financed, the collected funds will be returned to the funders by transferring them to the account from which they were transferred. The Platform Operator also has the right to offer the Project Owner to reduce the amount to be financed during the Project financing term or to extend the Project financing term. In this case, if the amount to be financed is reduced or the term of financing the Project is extended, it shall in all cases be announced on the Platform and the Fund's financiers shall be informed.