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.

PL0003318

Goal
55,000 €
Raised
55,000 €
100%
Return rate
13%

Rating
A

Period
48

Time left

LTV
50%

Country
Poland

Loan purpose
Refinancing

Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxłxx Xxxxxx
Xxxxxxx 45, 63-600 Xęxxx
header_1
Declared
Owned
Farming land20.00 ha9.00 ha
20252024
Revenue 63,777.73 € 51,321.96 €
Net profit - -
Equity ratio - -
Project description
Documents
Payment schedule

    The farmer took over the family farm in 2016 with 9 hectares and has grown it steadily to 20 hectares through smart reinvestments. He runs a solid mix of crops and cattle, keeping things balanced for steady income no matter the market. You'll find 10 hectares of corn, 6 hectares of wheat, and 4 hectares of grassland growing there, plus a healthy herd of 20 dairy cows, 10 heifers, and 15 beef cattle bringing in milk and meat revenue.

The setup runs smoothly with up-to-date gear like a 2020 SANO feed wagon, 2022 PICHON manure spreader, 2016 AGRO-MASZ disc harrow, and UNIA reversible plow—keeping costs down and productivity up.

He's got a straightforward three-year plan to keep building: adding 10 more dairy cows for extra milk production and snapping up 10 additional hectares to own more land outright. Along the way, he'll upgrade the barn, build shelters for feed and animals, and add grain silos to make everything run even better.

Half the loan refinances current liabilities to boost farm liquidity, while the other half covers working capital for fuels, fertilizers, and crop protection. This smooths out cash flow, handles peak-season needs, and positions the farm perfectly for growth. It's a straightforward bet on a hardworking owner with a growing operation backed by EU farm support.


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.