Create an account to make your first investment in only few steps!
Ūkio paskola
Ūkio paskola skirta žemės ir technikos įsigijimui, apyvartiniam kapitalui padidinti, kitiems ūkio plėtros poreikiams. Paskolos sąlygos priklauso nuo ūkio kreditingumo, paskolai užtikrinti įkeičiamo turto, paskolos grąžinimo laikotarpio ir kitų kriterijų.
BG0000920
Projekto savininkas | Adresas |
|---|---|
header_1 | Deklaruotas plotas | Nuosavas plotas |
|---|---|---|
| Dirbama žemė | 420.00 ha | 50.00 ha |
| 2021 | 2020 | |
|---|---|---|
| Pajamos | 381,791.00 € | 331,640.00 € |
| Grynasis pelnas | 23,500.00 € | -8,000.00 € |
| Nuosavo kapitalo santykis | 31.23% | - |
Dokumentai
Mokėjimo grafikas
With this project, we invite you to invest in the development of a crop producer company operating in the Shumen Region.
The company Agrotonic cultivates 420 hectares of land, of which 50 hectares are owned. This year, the company has allocated 140 hectares for wheat, 120 hectares for barley, 100 hectares for corns, 20 hectares for peas, 40 hectares for lentils.
To optimise the farm works, the company has all the necessary equipment. There are two permanent workers and, when necessary, they hire more seasonal workers.
The company has shown great improvements as they continuously extended the cultivated area by 15 hectares over the past years. Now, they are looking for external finance to help cover operational expenses.
Important remarks:
It's important to note that the company has experienced turbulent years from 2019 to 2020 and has failed to fulfil its obligation to DBank, which eventually led to the loan agreement termination. Due to this, The company has received a court judgment. In June 2021, the new term of repayment had been agreed upon between the project owner and the Dbank, the beneficiary of the case. The total amount to be paid is 50 000 €, the company undertakes to make payments in 24 monthly instalments from June 2021 to May 2023.
To secure the loan, the project owner will pledge a combine harvester, which gives 68% LTV. Moreover, the company's director also provides a personal surety in case of default. To further evaluate the ability to repay the loan, HeavyFinance has looked into the market value of farm buildings and land which are the personal asset of the project owner. The property's value is 206 184 € which is exceeding the total amount of the existing loan with Dbank and this loan on the HeavyFinance platform.
In addition, the company receive 80 000 € in subsidy. The first half will be transferred to the company in December 2022 and the remaining amount is scheduled for March 2023, this will strengthen the company's cash flow and ensure the repayment ability of the company.
Projekto rizika
Šitam projektui, kyla rizika prarasti visą gautą pelną ir investuotas lėšas.
Tokiu atveju, Projekto savininkui neįvykdžius savo įsipareigojimų, Platformos operatorius imsis visų būtinų priemonių investuotojų interesams apsaugoti ir panaudos pateiktą užstatą, tačiau Platformos valdytojas negarantuoja visiško Projekto savininko įsipareigojimų įvykdymo.
Finansinėms sutartims netaikoma Lietuvos Respublikos indėlių ir įsipareigojimų investuotojams draudimo įstatymo nustatyta draudimo apsauga.
Papildoma informacija:
Projekto savininkui nesurinkus finansuotinų sumų, surinktos lėšos grąžinamos rėmėjams pervedant jas į sąskaitą, iš kurios buvo pervestos. Platformos operatorius taip pat turi teisę pasiūlyti Projekto savininkui per Projekto finansavimo terminą sumažinti finansuojamą sumą arba pratęsti Projekto finansavimo terminą. Tokiu atveju, sumažinus finansuojamą sumą arba pratęsus Projekto finansavimo terminą, visais atvejais apie tai pranešama Platformoje ir informuojami Fondo finansuotojai.