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.

PL0003239

Goal
66,000 €
Raised
24,900 €
37%
Return rate
From 11.8%
Rating
B+
Period
48
Time left
LTV
80%
Country
Poland
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxxxx Xxxxxxx
Xxxxxxxxxx 86 , 47-480 Xxxxxxxxxx Xxxxxxx
header_1
Declared
Owned
Dirbama žemė50.00 ha26.00 ha
20242023
Revenue 133,846.40 € 124,960.01 €
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

11.8%

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 € - 11.8% Investing from 500 € - 12.4% Investing from 1,000 € - 12.7% Investing from 2,000 € - 12.9% Investing from 5,000 € - 13.2% Investing from 10,000 € - 13.4% Investing from 20,000 € - 13.7%
Project description
Documents
Payment schedule
Independent Farm Overview:
The farm has been operated by the current owner since 1997, when he took over from his parents with an initial area of 9-12 ha. It has grown steadily to 26 ha of owned land plus 24 ha rented, totaling 50 ha in agricultural use. The farm is family-run by the owner and his wife, with no external employees or hired workers. Activities include both crop production (potatoes, maize, wheat) and livestock fattening (currently 16 head of cattle).

Crop Structure and Land Use:
Potatoes: 16 ha
Maize: 17 ha
Wheat: 17 ha

Livestock Production:
Fattening animals, with a current herd of 16 head.

Modern Machinery Portfolio:
- Zetor Crystal 169 tractor (2005)
- Hermes harrow (2010)
- Bomet potato planter (2024)
- Hardi 2500 L sprayer (2004)
- Vogel Noot rotary plough (2010)
- Gaspardo 4-row corn seeder (2007)

These machines provide a solid technical foundation for field operations.

Expansion and Development Plan (Next 3–5 Years):
Increase total land area through purchases and additional leases
Invest in expanding beef cattle breeding
Maintain and scale up the current crop and livestock profile

Loan Purpose:
The funds will be used to refinance existing obligations, optimizing the farm's capital structure and freeing up resources for strategic growth. This refinancing will consolidate current debts at more favorable terms, reduce monthly financial pressure, and enhance cash flow flexibility. It enables the family-run operation to redirect savings toward essential investments in land expansion and livestock development, ensuring sustained profitability and resilience.

Investment Opportunity:
This family-operated farm presents a stable, steadily growing agricultural business with a proven track record since 1997. Modern machinery supports efficient operations, and clear plans for land acquisition and livestock development position it for scalable growth and long-term viability.

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.