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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.
PL0001513
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 29.00 ha | 10.00 ha |
| 2022 | 2021 | |
|---|---|---|
| Revenue | 92,709.00 € | 58,829.00 € |
| Net profit | - | - |
| Equity ratio | - | - |
Documents
Payment schedule
The project owner received the farm from his father (5ha) in 2016 and has since expanded it to 29ha. He owns 10 hectares, another 19 hectares are in long-term leases. His father helps him to take care of the farm. The farmer also hires seasonal workers.
Karol breeds Greater Poland sheep (one of the Polish Lowlands breeds), which also happens to be one of the conservation breeds. Conservative breeding is applied to primary breeds of cattle whose populations are disappearing. The aim is to protect their gene pool while minimising inbreeding. In Poland, four cattle breeds are recognised as conservation breeds: Polish Red, Polish Black-and-White, Polish Red-and-White, and White-backed. At the moment the farmer owns 300 heads. He received subsidies in connection with the maintenance of special breeds in 2021 amounted to 18 346€.
Additionally, the farmer also keeps 40 heads of beef cattle, a mixed meat breed.
Part of the animal fodder is made by himself, thus he grows: corn (10ha), and wheat/barley (10ha). Also, the animals have 9 hectares of meadows and grasses for themselves.
Machinery used on the farm:
- Ursus tractor
- Zetor Fortera tractor
- Weidemann Hoftrac 1390 loader
- McHale baler
- Amazon seeder
- cultivator
In the coming years, the farmer plans to increase the size of the herd, as well as adapt more buildings for cattle breeding.
This is the second loan for Mr Karol from HeavyFiannce and it will be used to prepare for the upcoming harvest.
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.