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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.
PL0001324
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 17.65 ha | 17.65 ha |
| 2022 | 2021 | |
|---|---|---|
| Revenue | 301,436.00 € | 129,145.00 € |
| Net profit | - | - |
| Equity ratio | - | - |
Documents
Payment schedule
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The purchase of this machine is the last requirement to meet the requirements of the distributor Lidl, one of the largest grocery store chains in Poland. The farmer will deliver her vegetables directly to the distributor, and their products will be on the shelves of Lidl stores across Poland from now on. The contract is for lettuces, and is expected to include white cabbage and Chinese cabbage in the fall and winter. The farmer will supply about 150,000 pieces of lettuce per week to the store chain.
Thanks to 10 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 ULMA VTC 840 vacuum packing machine. The machine will help reduce production costs as well as increase capacity and is the final step to finalize the formal requirements to enter into a deal with one of Poland's largest grocery store chains. 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 eleventh loan with HeavyFinance, the businesswoman has borrowed a total of 452 312 € from the HeavyFinance investor community and has an active loan balance of 360 117,65 €.
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.