Agriculture loan

Karolina is a young farmer who is currently in the process of negotiating a contract with one of the largest grocery shop chains in Poland as a supplier of vegetables to their shops, and is purchasing machinery to comply with the contract requirements. 

Thanks to 9 financings from HeavyFinace Karolina was able to grew her farm from 3,77 hectares to 17,65 hectares total - she owns the whole land. She was also able to buy a New Holland tractor, a Gaspardo sprayer, and a couple of smaller machines. The farm is developing very quickly and its main goal for the next 3 years is to streamline processes, invest in the farm's infrastructure, and expand its area. 

The farmer inherited the farm from her grandparents where she worked for the past 15 years. She is now the main person managing the farm, but her family continues to help her with the day-to-day operations. In addition, she has an agricultural degree.

The farm specializes in cucumbers, courgettes, and lettuce. The farm recently received money from subsidies for its development.

The farm is well-equipped with various machines, such as;

• NEW HOLLAND tractor (2021)
• GASPARDO sprayer (2021) - bought thanks to HF financing,
• CRUSH 2 tapes for harvesting vegetables (2014)
• WICHER cultivating unit (2014)
• KOS cultivating unit (2020)
• AGROLUX 4 furrow plow (2010)
• CHECCI MAGLI seedbed moulder (2014)
• CHECCI MAGLI fertilizer reseeder (2014)
• CHECCI MAGLI  four-row vegetable planter (2014)
• FERRARI five-row vegetable planter (2000)
• SCHMITZ vegetable harvesting platform (2007)
• AGROHANDEL field sprayer (2014)
• PILMET mounted sprayer (2000)
• AKPIL disc unit (2006)
• KRET 613 subsoiler (2020)
• BOMET soil cultivator (2017)
• NEW HOLLAND tractor (2007)
• KUBOTA tractor (2015)
• 6 Single-axle transport trailers of own production (2020)
• and more of the older ones

With the loan funds, the farmer is going to purchase a Renault Master lorry which is essential due to the expansion of their business. The farmer needs only half of the value of the lorry since the rest will be covered by herself.
To secure the loan, the purchased equipment will be pleaded, and the borrower's father Marcin Dąbrowski also provides personal surety.

This is the farmer’s tenth loan with HeavyFinance, the businesswoman has borrowed a total of 424 545 € from the HeavyFinance investor community and has an active loan balance of 360 117,65 €.