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.

PL0003284

Goal
40,000 €
Raised
6,732 €
16%
Return rate
From 14.2%
Rating
B
Period
48
Time left
LTV
78%
Country
Poland
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Xxxxxxxxxx Xxxxxxxxxx Xxxxł Xxxxxńxxx
Xxxxęxxxxxx 67, 87-148 Łxxxxxxx
header_1
Declared
Owned
Farming land42.00 ha9.00 ha
20252024
Revenue 188,069.95 € 100,756.83 €
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

14.2%

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 € - 14.2% Investing from 500 € - 14.9% Investing from 1,000 € - 15.2% Investing from 2,000 € - 15.5% Investing from 5,000 € - 15.7% Investing from 10,000 € - 15.9%
Project description
Documents
Payment schedule

This is a successful 42-hectare agricultural business that has strategically expanded its operations since 2012 from its original 9 hectares. It generates diversified income streams through high-quality crop rotation:

11 hectares of high-margin sugar beets, 20 hectares of wheat, 7.5 hectares of corn – and a solid dairy operation with 24 dairy cows (including 16 heifers). The farm's modern machinery, equipped with the latest AGRO-MASZ 2024 disc harrow, LANDSTAL 2022 no-till cultivator, and PROMAR sprayer (2018) and AKPIL plow (2019), and MOSKIT disc harrow (2017), ensures operational efficiency, soil protection, and higher yields, while enabling independent management without fixed personnel costs.

The operator's clear three-year development plan is to increase the herd to at least 30 dairy cows, which means a 25% increase in productivity – using existing infrastructure for maximum capital efficiency, as well as a proactive strategy to purchase leased land, which will convert lease costs into owned assets, providing sustainable cost savings, increased collateral value, long-term operational security, and better access to EU agricultural financing and subsidies.

The refinancing consolidates InSoil's fragmented liabilities and more expensive private lender debt into a streamlined instrument, immediately optimizing the capital structure by reducing the debt service burden, increasing working capital liquidity, simplifying financial management, and freeing up significant resources for herd expansion and land acquisition initiatives without burdening the balance sheet or disrupting core operations.
Key advantages: The operator's 13 years of experience in scaling up its operations, combined with high margins from sugar beet cultivation, stable cash flows from dairy production, recent high-value mechanization upgrades, and defined expansion targets, make this refinancing a low-risk catalyst for accelerated growth, backed by tangible agricultural assets including land, livestock, and modern equipment, providing attractive risk-adjusted returns for investors.

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.