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.

PL0003159

Goal
60,000 €
Raised
60,000 €
100%
Return rate
From 12.8%
Rating
B
Period
48
Time left
LTV
67%
Country
Poland
Loan purpose
Investment to increase production
Business information
Security measures
Loan history
Project owner Address
Ūxxxxxxxx (-ė) Xxxxxx Xxxxxxxxx
Xxxxxłxx Xxxxxxxx 12, 12-208 Xxxxxxx Xxśxxxxxx
header_1 Declared Owned
Dirbama žemė20.00 ha5.00 ha
20242023
Revenue 108,625.00 € 70,707.15 €
Net profit - -
Equity ratio - -
Project description
Documents
Payment schedule
"This investment profile presents a promising and modernizing Polish farm, run since 2017 by an experienced farmer who has successfully expanded the farm from the inherited 5 hectares to a diversified 20-hectare farm, of which 5 hectares are owned by him. The farm combines crop production with beef cattle breeding, currently cultivating 10 hectares of corn and 10 hectares of grassland, as well as raising a herd of 24 dairy cows, which is an example of a sustainable and complementary agricultural model.

The strategic development plan focuses on increasing the dairy herd by at least 10 additional cows over the next 3 years, which will significantly improve milk production and related cash flows.

A key development objective is to build a modern, state-of-the-art barn to improve animal welfare and operational efficiency, in line with broader trends in European and Polish agricultural policy emphasizing sustainability, animal welfare, and modernization. In addition, the farmer plans to gradually acquire more land, strengthening his asset base to reduce his dependence on leases and improve long-term financial stability.

The loan will be used primarily to purchase additional livestock and refinance existing liabilities. This capital injection will enable the farmer to effectively increase production and improve liquidity, which is critical to sustaining growth in today's competitive agricultural environment."     

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.