Ūkio paskola

The farmer has been successfully managing this dairy-focused farm since 2016, when he inherited 17 hectares from his parents. Through strategic expansion and efficient land utilization, he has grown the operation to a robust 35 hectares. Operating as a solo proprietor keeps overhead costs minimal while allowing hands-on control over all aspects of production—from crop rotation to herd health—a model that has proven effective in similar Polish family farms. The crop structure is meticulously designed to support intensive dairy production by prioritizing on-farm feed self-sufficiency, a smart cost-control strategy in an industry where feed represents a major expense. It includes nutrient-rich alfalfa for high-protein rations, versatile oats for both green forage and grain, hardy rye for winter cover and early-season feed, energy-dense corn for silage during peak lactation, and remaining acreage in meadows for rotational grazing. This setup reduces reliance on external suppliers and supports consistent milk production through balanced, home-grown nutrition. Complementing this is a substantial herd of 78 dairy cows and one bull, forming the core revenue engine through milk sales. To maintain flexibility and capital efficiency, the farmer rents modern machinery and hires external services for harvesting, avoiding the depreciation and maintenance burdens of ownership. This asset-light approach ensures timely operations without tying up capital in equipment. Looking ahead, plan centers on expanding the herd to at least 100 dairy cows to boost milk output, alongside systematically buying out leased land to convert rental expenses into equity-building assets—building on the success of the initial inheritance expansion. The loan addresses immediate needs by covering cattle-breeding costs, primarily feed purchases to bridge seasonal gaps like winter silage shortfalls, with the balance used to prepay liabilities
Active loans balance: Collateralized - € 0 Uncollateralized - € 0
Active loans total: € 0