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.

PL0003092

Tikslas
59,500 €
Surinkta
59,500 €
100%
Palūkanų dydis
Nuo 12.6%
Reitingas
A
Periodas
48
Liko laiko
LTV
65%
Šalis
Poland
Paskolos tikslas
Refinancing
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas
Adresas
Xxxxxx Xxxxxł Xxxxxxxxx
Xxxxxxxx 17, Xxxxóx 99-150
header_1
Deklaruotas plotas
Nuosavas plotas
Farming land44.00 ha24.00 ha
20242023
Pajamos 99,758.00 € 81,505.26 €
Grynasis pelnas - -
Nuosavo kapitalo santykis - -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas

The Farmer operates a well-established, 26-year-old agricultural enterprise spanning 44 hectares with a proven track record of systematic expansion and diversification. This refinancing opportunity will optimize the farm's capital structure, enhance operational liquidity, and position the business for its next phase of strategic growth.

Business Fundamentals & Competitive Advantages
Operational Maturity: With over two decades of farming experience since 1999, the borrower has demonstrated strong asset management capabilities, growing the operation from an inherited 12-hectare base to a diversified 44-hectare enterprise. The farm maintains a healthy ownership ratio with 24 hectares (55%) owned outright, providing substantial collateral value and reducing operational risk.

Revenue Diversification: The farm employs a sophisticated dual-income model combining:
  • Crop Production: Diversified across five crop types—15ha grain crops (wheat, rye, triticale), 12ha rapeseed, 14ha corn, 2ha grassland, and 1ha potatoes—mitigating market volatility and weather-related risks
  • Livestock Operations (28 head): Mixed dairy and beef cattle breeding generating consistent cash flow through milk production (12 milking cows) and meat sales (6 heifers, 10 beef cattle)

Modern Asset Base: The operation is equipped with contemporary, well-maintained machinery representing significant invested capital:

  • NEW HOLLAND combine harvester (2015) and tractor (2012)
  • PRONAR tractor (2013)
  • Recent-vintage specialized equipment: CLAAS wrapper (2018), AGROTECH plowing unit (2018), METALTECH trailer (2015), AKPIL plow (2013)
This mechanization demonstrates operational efficiency, reduces dependency on external contractors, and minimizes downtime risk.

Strategic Growth Plan (3-Year Horizon)
Livestock Expansion: Planned 79% increase in herd size to 20 milking cows (+67%) and 20 beef cattle (+100%), significantly scaling revenue-generating capacity while leveraging existing infrastructure and expertise.
Land Consolidation Strategy: Progressive acquisition of currently leased land (minimum 5-hectare buyback target), which will:

  • Reduce annual lease expenses, improving profit margins
  • Increase asset base and collateral value
  • Provide operational flexibility and long-term stability
  • Demonstrate commitment to sustainable business expansion
Transaction Purpose & Value Creation
This refinancing facility will restructure existing debt obligations, delivering immediate and measurable benefits:
✓ Enhanced Liquidity Management: Improved cash flow positioning through optimized payment terms and reduced debt service burden
✓ Growth Readiness: Free up working capital to execute planned livestock expansion and land acquisition strategy
✓ Operational Efficiency: Streamlined financial obligations allowing focus on core agricultural activities and strategic initiatives
✓ Risk Mitigation: Stabilized capital structure better positions the farm to weather commodity price fluctuations and seasonal variations

Investment Merits
  • Experienced operator with 26-year track record and proven expansion history
  • Substantial asset backing including owned land, livestock, and modern machinery fleet
  • Diversified revenue streams across multiple crop types and livestock categories
  • Clear growth trajectory with quantified 3-year expansion targets
  • Strategic capital deployment focused on income-generating assets and land ownership
  • Strong collateral position with tangible agricultural assets and real property
This refinancing represents a low-risk opportunity to support an established agricultural business at an inflection point, where optimized capital structure will unlock significant growth potential in both livestock operations and land ownership.

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.