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.

PL0003092

Goal
59,500 €
Raised
24,482 €
41%
Return rate
From 12.6%
Rating
A
Period
48
Time left
LTV
65%
Country
Poland
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner Address
Xxxxxx Xxxxxł Xxxxxxxxx
Xxxxxxxx 17, Xxxxóx 99-150
header_1 Declared Owned
Farming land44.00 ha24.00 ha
20242023
Revenue 99,758.00 € 81,505.26 €
Net profit - -
Equity ratio - -

Investment calculator

Pick one of the suggested or type in your own amount to see interest rate and preliminary earnings.
Interest

12.6%

Preliminary earnings

0.00 €

Important:
The calculator provided is preliminary and the projected earnings are determined based on the preliminary principal repayment schedule.
Interest rates:
Investing from 100 € - 12.6% Investing from 500 € - 13.3% Investing from 1,000 € - 13.6% Investing from 2,000 € - 14.1% Investing from 5,000 € - 14.3% Investing from 10,000 € - 14.7%
Project description
Documents
Payment schedule

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.

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.