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.

PL0003226

Goal
15,000 €
Raised
15,000 €
100%
Return rate
12%
Rating
B+
Period
18
Time left
LTV
-
Country
Poland
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xłxxxxxx Xxxxx
Xxłxóx 24, 48-364 Xxłxóx
header_1
Declared
Owned
Farming land38.00 ha25.50 ha
20242023
Revenue 105,665.55 € 62,568.11 €
Net profit - -
Equity ratio - -
Project description
Documents
Payment schedule
"Since 2009, the farm has been a family-led enterprise on 18 hectares, passed down from the farmer’s parents and now managed by the farmer together with his wife. The operation concentrates on crop production, delivering a diversified mix that supports resilience across seasons. The fields are allocated to 20 hectares of wheat, 11 hectares of canola, 4 hectares of beets, and 3 hectares of corn. The farm’s productivity is supported by a practical and well-maintained machinery lineup, including a 2013 ZETOR tractor, a 2022 AGRO-MASZ cultivator/seeder, a 2016 AGRO-MASZ rotary plow, a 2012 ATLAS cultivator, a 2013 TAD-LEN sprayer, and a 2010 SIPMA fertilizer spreader. This combination of land, crops, and equipment enables steady output and the capability to respond to market and weather conditions with flexibility.

Looking ahead, the farm’s strategic plan centers on prudent expansion over the coming years. The owner envisions gradually acquiring leases with the aim of eventual ownership, thereby expanding productive capacity while preserving the family-driven ethos. At the same time, modernization of the machinery fleet is planned to boost efficiency, reduce operating costs, and improve cultivation and harvest timeliness. The funds from the loan are intended to support the farm’s current operating needs and to finance this targeted growth, including daily operations, equipment upgrades, and preparations for future scale.

Why this investment makes sense: the operation combines a long-standing track record with a clear growth trajectory. Operating since 2009 as a family business, the farm offers a stable, predictable income stream grounded in diversified crops. The spread across wheat, canola, beets, and corn reduces exposure to any single market or weather event, contributing to reliability. The expansion plan—moving toward land ownership through leases and systematically upgrading equipment—demonstrates realistic capital goals and the potential for meaningful upside. Investments in modern farming technologies and equipment improvements translate directly into higher yields and lower per-unit costs, reinforcing both cash flow and long-term profitability."     

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.