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.

PL0001173

Goal
50,510 €
Raised
50,510 €
100%
Return rate
From 14.6%
Rating
C+
Period
36
Time left
LTV
64%
Country
Poland
Loan purpose
Investment to increase production
Business information
Security measures
Loan history
Project owner Address
Xxxxxł Xxxxxxxxxxx
83-251 Xxxxxxx
header_1 Declared Owned
Farming land105.00 ha26.00 ha
20222021
Revenue 151,681.00 € 118,646.00 €
Net profit - -
Equity ratio - -
Project description
Documents
Payment schedule

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The project owner inherited the farm in 2015. Over 7 years of management, the farmer has expanded the farm by 79 hectares.His main income is crop production: maize 35ha, barley 15ha, rye 25ha, wheat 15ha, and he also has meadows of 15ha.

The farmer raises beef cattle. He currently owns 20 heads (mixed meat breeds). He plans to increase the herd to 100 heads within five years.
The following machinery is used on the farm:

  • Bizon harvester
  • Ursus 1014 tractor
  • Ursus 914 tractor
  • Ursus 6014 tractor
  • Ursus C-330 tractor with loader
  • Agromasz cultivation and sowing kit
  • BIARDZKI 2200L sprayer
  • Abra spreader
  • Sipma bale press
  • Forschmit disc harrow
  • Forschmit plough
  • Unia plough
  • Warfarma manure spreader
  • Slurry tanker 4300L
  • Meprozet Isa trailer 9t
  • Autosan 4.5t trailers x2
The farmer is planning to erect a 100T grain silo in the spring to store grain. In the next 2 years, a hall will be built to house cattle. After that, the client plans to replace the machinery with more economical and environmentally friendly machinery.

Our client is on his 6th loan with HeavyFinance out of 6 planned. The total amount of the loans is 280 541 € with the total collateral value of 450 000 €.

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.