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.

PL0001591

Tikslas
99,000 €
Surinkta
99,000 €
100%
Palūkanų dydis
Nuo 19.86%
Reitingas
B
Periodas
58
Liko laiko
LTV
38%
Šalis
Poland
Paskolos tikslas
Equipment purchase
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas
Adresas
XXXX-XXX Xxxxx Xxśxxxxxxx, Xxxxx Xxśxxxxxxx
Xxxx 18X, 22-100 Xxxłx
header_1
Deklaruotas plotas
Nuosavas plotas
Dirbama žemė300.00 ha27.00 ha
20222021
Pajamos 169,591.00 € 67,245.00 €
Grynasis pelnas - -
Nuosavo kapitalo santykis - -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas

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Kamil Kuśniewski owns a farm since 2011 when he took it over from his parents. Later he bought additional farmland and agricultural equipment. Currently, he owns 29 hectares in addition to which his mother has another 40 hectares of agricultural land. Additionally, they have about 60 hectares of land on lease from the state treasury from the KOWR and 250 hectares of agricultural land on private leases. 

The entire farm consists of four smaller farms of his mother, sister and brother-in-law, however, it's worth noting Kamil is the main manager of the entire joint farm. 

Kamil is engaged in mixed farming of cereals, rapeseed, sugar beets, corn, soybeans, malting barley, and mustard. The entire family works on the farm as well as two permanent employees because of the services they also provide for other farmers. 
The mentioned services are: agriculture sowing, grain harvesting, post-harvest cultivation, compressing grain straw as well as providing transport services.

Because of the above, the machinery park consists of: 
  • MASSEY FERGUSON 8S 205 tractor
  • NEW HOLLAND T6 175 tractor
  • NEW HOLLAND T6 145 tractor
  • ZETOR PROXIMA 65 tractor
  • CLASS 98 SL combine harvester
  • LEMKEN tillage and seeding kit
  • MASCHIO GASPARDO 5-blade plow no-till unit
  • GRANO SYSTEM disc crow
  • UNIA Pilmet sprayer
  • UNIA spreader
  • UNIA rotary harrow
  • AGRO-MASZ spring unit
  • trailers x7 

Crops are dominated by winter wheat of about 100 ha, winter rapeseed of 60 ha, sugar beets of 30 ha, winter barley of 20 ha, soybeans of 50 ha, mustard of 10 ha and about 130 ha of corn. The farmer uses a no-till system, intensive fertilization and protection thanks to which we get high yields and quality goods. Kamil plans to develop the farm in the direction of providing services with a combine harvester for harvesting sugar beetroot oil and hauling the beets to the heaps. He has contracts that show the ability to provide services with this harvester. 
The planned profit after the purchase of the harvester should oscillate around 400,000 PLN per year. 

The farmer has contracts for the collection of agricultural counter crops, for example, with the Krasnystaw sugar factory Polski Cukier, a contract for the sale of straw with Unikost, and a contract for sugar beets with Krajowa Grupa Spożywcza S.A. (which is Poland's biggest and one of Europe's largest sugar producers). 

The project owner plans to further develop in the direction of intensifying crop production and expanding the range of services provided to agriculture.

This is his 2nd loan from HeavyFinance and this financing will be used to purchase the above-mentioned beetroot harvester, which will also secure this loan alongside with a land.

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.