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.

PL0003238

Goal
37,800 €
Raised
35,500 €
93%
Return rate
From 11.6%
Rating
A
Period
48
Time left
LTV
50%
Country
Poland
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxx Xxxxxxxx
Xxxxxxxxxxx Xxxxxxxxxxxxxxx 20, 83-220 Xxóxxx
header_1
Declared
Owned
Dirbama žemė35.00 ha17.00 ha
20252024
Revenue 177,406.00 € 115,109.00 €
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

11.6%

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 € - 11.6% Investing from 500 € - 12.3% Investing from 1,000 € - 12.6% Investing from 2,000 € - 13.1% Investing from 5,000 € - 13.3%
Project description
Documents
Payment schedule
The farmer has been successfully managing this dairy-focused farm since 2016, when he inherited 17 hectares from his parents. Through strategic expansion and efficient land utilization, he has grown the operation to a robust 35 hectares. Operating as a solo proprietor keeps overhead costs minimal while allowing hands-on control over all aspects of production—from crop rotation to herd health—a model that has proven effective in similar Polish family farms.

The crop structure is meticulously designed to support intensive dairy production by prioritizing on-farm feed self-sufficiency, a smart cost-control strategy in an industry where feed represents a major expense. It includes nutrient-rich alfalfa for high-protein rations, versatile oats for both green forage and grain, hardy rye for winter cover and early-season feed, energy-dense corn for silage during peak lactation, and remaining acreage in meadows for rotational grazing. This setup reduces reliance on external suppliers and supports consistent milk production through balanced, home-grown nutrition.

Complementing this is a substantial herd of 78 dairy cows and one bull, forming the core revenue engine through milk sales. To maintain flexibility and capital efficiency, the farmer rents modern machinery and hires external services for harvesting, avoiding the depreciation and maintenance burdens of ownership. This asset-light approach ensures timely operations without tying up capital in equipment.

Looking ahead, plan centers on expanding the herd to at least 100 dairy cows to boost milk output, alongside systematically buying out leased land to convert rental expenses into equity-building assets—building on the success of the initial inheritance expansion. The loan addresses immediate needs by covering cattle-breeding costs, primarily feed purchases to bridge seasonal gaps like winter silage shortfalls, with the balance used to prepay liabilities.

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.