Agriculture loan

The farmer established the farm in 2015 and currently declares 106.46 hectares of arable land, of which approximately 35 hectares are owned, ensuring partial operational stability and reduced dependence on leased land.

The farm cultivates key crops such as wheat, rapeseed, oats, and legumes (peas), allowing for income diversification and reduced exposure to price or yield fluctuations of a single crop. The crop declaration also indicates consistent application of no-till farming practices across the majority of the land, contributing to cost efficiency and long-term soil sustainability.

Farm operations are organized efficiently through shared use of machinery with a nearby family farm, enabling optimization of capital investments and ensuring sufficient technical capacity without excessive costs.

The farmer owns essential equipment, including a tractor, seeder, and cultivator, as well as grain storage facilities, allowing flexibility in crop sales and the ability to benefit from favorable market pricing.

According to the provided financial statements, the farm generates stable revenue (approximately €107,000 in sales) and operates profitably, with a net profit of around €24,000. Operating cash flows are positive (approximately €66,000), demonstrating a solid ability to meet financial obligations.

Balance sheet data shows that total assets have grown significantly to over €330,000, with the majority consisting of land (approximately €256,000), forming a strong asset base and providing additional financing potential if needed.

The farm’s liabilities are at a manageable level, while the growth in equity reflects long-term operational sustainability and strengthening financial standing.

It is important to highlight that the farmer is a reliable client on the InSoil platform. Since 2022, three loan agreements have been concluded, all of which were repaid in full and on time, demonstrating strong payment discipline and responsible financial behavior.

The farm is currently seeking a working capital loan to finance equipment repairs and prepare for the upcoming agricultural season. Therefore, the financing is directly linked to ensuring operational continuity and future revenue generation, rather than refinancing existing liabilities.

Considering the stable cash flow generation, strong asset base, diversified operations, and solid repayment history, this project represents an attractive investment opportunity with a clearly justified financing need and controlled risk profile.