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.

PL0003167

Goal
26,260 €
Raised
13,600 €
51%
Return rate
From 12.6%
Rating
C+
Period
48
Time left
LTV
80%
Country
Poland
Loan purpose
Equipment purchase
Business information
Security measures
Loan history
Project owner Address
Ūxxxxxxxx (-ė) Xxxxłxxxxx Xxxxxńxxx
Xxxxxxx 10, 22-510 Xxxxxxx
header_1 Declared Owned
Dirbama žemė116.00 ha36.00 ha
20252024
Revenue 314,122.00 € 288,140.60 €
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%
Project description
Documents
Payment schedule
"An experienced farmer who inherited a 36-hectare farm in 2009. To date, he has supplemented the area with additional leased land – 30 hectares of arable land and 50 hectares of grassland – creating a diversified land base of 116 hectares, which is actively managed. The farm has a strategic location conducive to development and clear development plans.
Farm overview and assets

Land distribution:
Rapeseed- 16 ha
Wheat- 20 ha
Triticale- 4 ha
Barley- 4 ha
Corn- 18 ha
Alfalfa- 4 ha
Meadows- 50 ha
This well-diversified crop structure spreads the risk across multiple commodities while optimizing soil and climate suitability.

Livestock herd:
10 bulls
50 cows
25 heifers
The composition of the herd allows for the production of both milk and beef, providing a stable cash flow from multiple revenue streams.

Value of machinery and equipment:
A modern, high-value fleet, including New Holland tractors (2013, 2010, 2000), an Aruella sprayer (2016), a CLAAS Dominator combine harvester (2002), and the latest Eurotrak loader (2024)
Additional diversified equipment for sowing, harvesting, fertilizing, and animal husbandry, with a total investment value well in excess of €1 million.

The farmer plans to:
Increase herd size, boosting milk and beef production capacity.
Purchase new machinery to increase operational efficiency and reduce downtime, which is critical to scaling the business
Build special shelters or halls for cattle, improving animal welfare and productivity and enabling further herd expansion
Rationale for the investment

Experienced management: Over 15 years of experience in agriculture with inherited core assets
Significant land control: 116 hectares under direct management, combining owned and leased land to ensure operational flexibility
Asset security: High-value machinery and land provide security for financial partners
Growth and diversification: Targeted recapitalization will accelerate herd expansion and the development of necessary infrastructure
Revenue stability: Balanced sources of income from diverse crop production and animal husbandry minimize sector risk
Modernization: Use of the latest agricultural technologies to optimize yields and labor productivity

Use of funds
The investment funds will be used for:
Purchase of new machinery and replacement of old equipment
Construction of cattle shelters and modernization of farm infrastructure
Working capital to support herd expansion and cover seasonal operating costs
This description highlights the scale of the farm, its asset base, and specific development plans, positioning it as a solid investment with tangible collateral and clear value drivers."     

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.