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.

PL0001000

Tikslas
28,596 €
Surinkta
28,596 €
100%
Palūkanų dydis
Nuo 14.5%

Reitingas
C

Periodas
36

Liko laiko

LTV
50%

Šalis
Poland

Paskolos tikslas
Investment to increase production

Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas Adresas
Xxxxx Xxxxxxxxx
Xxxxxxx Xąxx 1, 18-208 Xxxxxxx Xxśxxxxxx
header_1 Deklaruotas plotas Nuosavas plotas
Farming land116.00 ha45.00 ha
20222021
Pajamos 119,021.00 € 44,753.00 €
Grynasis pelnas - -
Nuosavo kapitalo santykis - -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas

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The project owner took over part of his parents farm in 2013. He has long-term leases from the National Center of Agricultural Support (NEB) for 116 hectares. He manages the farm with the help of his parents.

The farmer raises dairy cows - he has 80 head (HF-Holstein Friesian), which the PFHBiPM (Polish Federation of Cattle Breeders and Milk Producers) evaluates as high-milking, and 25 heifers. Thanks to financing from Heavy Finance, he has bought 35 heads. Ultimately, he wants to have 160 heads, because that's what the infrastructure on his farm allows.
The farmer produces fodder himself, so he grows corn (26ha), grain mixtures (strictly for fodder)(30ha), and alfalfa-clover grass (60ha). The project owner has a permanent milk contract with Mlekovita.

The following machinery is used on the farm:

  • Class Medion combine (2007)
  • Class Jaguar field forage harvester (2010)
  • Schumacher self-loading trailer (2008)
  • Fliegl spreader (2015)
  • barrel truck
  • forage truck
  • Manitou loader
  • John Deere 6520 JD tractor (2010)
  • John Deere 6630 JD tractor (2003)
  • Steyr 6225 tractor (2012)
  • Steyr 6160 tractor (2012)
  • VENTA LC 4000 seeder (2013)
  • Kuhn power unit (2011)
  • Pilmet sprayer (2014)
  • Monosem precision seeder


In 2013, a fire broke out on the farm, and the buildings and all the feedstock burned down, by the end of the year all the buildings were rebuilt, but more than 200t of grain for feed and tons of straw were burned in the fire, so the client had to take out liability.
In 2015 the area where the farm is located was hit by drought, the farmer harvested only 30% of the planned crop.
Despite all these difficulties, the farmer continues to run a profitable farm, his income in 2020 was EUR 13,867, in 2021 already EUR 44,752, then in 2022 EUR 119020,68 EUR.
The farmer additionally provides services to other farmers, as he has high-quality equipment.

The loan from HeavyFinance will allow the farmer to purchase 37 more high-milking cows.
One cow yields about 50 liters of milk per day. The current rate the customer receives per liter of milk is EUR 0.64. This will increase the farmer's monthly income by about EUR 33,693.


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.