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.

BG0002900

Goal
47,600 €
Raised
14,637 €
30%
Return rate
From 12.1%
Rating
B+
Period
16
Time left
LTV
70%
Country
Bulgaria
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner Address
XXXXXXXX 96 Xxx, Xxxxxxxx Xxxxx
Xxxxxxx Xxxxxxxxxx, xxxxxxxxxxxx Xxxxxxxxx, xxxxxx Xxxxxxx
header_1 Declared Owned
Farming land201.28 ha22.00 ha
20242023
Revenue 156,402.47 € 82,612.41 €
Net profit 23,448.49 € 4,090.34 €
Equity ratio 32.65% -

Investment calculator

Pick one of the suggested or type in your own amount to see interest rate and preliminary earnings.
Interest

12.1%

Preliminary earnings

0.00 €

Important:
The calculator provided is preliminary and the projected earnings are determined based on the preliminary principal repayment schedule.
Interest rates:
Investing from 100 € - 12.1% Investing from 500 € - 12.8% Investing from 1,000 € - 13.1% Investing from 2,000 € - 13.6% Investing from 5,000 € - 13.8% Investing from 10,000 € - 14.2%
Project description
Documents
Payment schedule
Established in 2021, Agromaks 96 is a family-owned farming business engaged in the cultivation of grain crops such as wheat, corn, sunflower, barley, and sorghum. Dedicated to continuous development, the company regularly invests in modern machinery and technology while expanding its cultivated land. In the most recent season, the farm grew from 136 to 201 hectares.

With a focus on sustainable agriculture, Agromaks 96 has shifted from conventional farming to regenerative practices. Today, more than 60% of the land is cultivated using no-till, strip-till, and minimum-till methods, underscoring the company’s commitment to environmentally responsible farming.

The company is now seeking financing to refinance its loan and allocate the remaining funds toward working capital needs. This is Agromaks 96’s forth loan through InSoil — the first has been fully repaid, and two active loans has been serviced on time.

The farmer is eligible to receive the EU subsidy with the minimum amount of € 68 016 which will be used as a security measure for this loan. The subsidy to farmers supported under schemes and measures of the Common Agricultural Policy, including the scheme Single Payment per area from the State Fund Agriculture will be paid to the farmer's account where InSoil has full access to the pledged receivable.

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.