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.

PL0003309

Goal
124,500 €
Raised
124,500 €
100%
Return rate
14%
Rating
B
Period
40
Time left
LTV
50%
Country
Poland
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxx Xxxxxxxxxxx
Xxxx Xxxxxxxńxxxx 19, 07-438 Xxxxx
header_1
Declared
Owned
Dirbama žemė96.50 ha16.50 ha
20252024
Revenue 176,403.00 € 181,204.00 €
Net profit - -
Equity ratio - -
Project description
Documents
Payment schedule
This established 20-year-old Polish dairy operation presents a compelling refinancing opportunity backed by substantial assets and immediate growth potential. The farmer has methodically expanded the business from an 11-hectare family inheritance in 2006 to a robust 50-hectare enterprise, with 40% of the land owned outright, providing a solid equity foundation. The farm operates an integrated model featuring self-sufficient feed production across 26 hectares of corn silage and 24 hectares of meadows, which insulates it from external input cost volatility. A current herd of 95 head—comprising 68 milking cows and 27 heifers—generates consistent milk revenue, supported by essential equipment including a 2014 New Holland tractor and 2016 Rekordia tanker truck. A strategic highlight is the recently completed €400,000 modern barn, designed to accommodate 150 head of cattle. This infrastructure investment positions the operation with 58% unused capacity, enabling herd expansion without additional capital expenditure. All future investments will flow directly into scaling livestock numbers to fully utilize this state-of-the-art facility. The refinancing facility will optimize existing InSoil liabilities, delivering improved debt terms, enhanced liquidity, and capital redirection toward productive herd growth. This capital structure improvement strengthens financial resilience while accelerating the path to higher milk production volumes. Investors benefit from multiple layers of protection: significant owned land equity, €400,000 in recent infrastructure collateral, feed self-sufficiency, and a proven operator with two decades of expansion success. The dairy sector's relative price stability, combined with untapped capacity, creates a clear pathway to scaled profitability. This represents a low-risk platform where modern assets meet operational discipline, positioning the farm for efficient growth in Poland's stable agricultural market.
Active loans balance: Collateralized - € 0 Uncollateralized - € 0
Active loans total: € 0

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.