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.

PL0003387

Goal
51,000 €
Raised
51,000 €
100%
Return rate
From 13.7%
Rating
B
Period
48
Time left
LTV
65%
Country
Poland
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxx Xxxxxxxx
Xxxxóxxx 21, 98-290 Xxxxx
header_1
Declared
Owned
Dirbama žemė50.00 ha7.00 ha
20252024
Revenue 243,219.00 € 195,799.00 €
Net profit - -
Equity ratio - -
Project description
Documents
Payment schedule
This Polish entrepreneur established her independent cattle breeding enterprise in 2018, strategically expanding from inception to a 50-hectare operation with 7 hectares under direct ownership, providing substantive collateral value. The business maintains a specialized focus on dual-revenue dairy and beef production, capitalizing on resilient market demand for milk and premium meat. The current livestock inventory comprises 60 high-output dairy cows and 45 replacement heifers, ensuring consistent revenue generation and robust pipeline scalability. She oversees daily operations autonomously while engaging seasonal labor to optimize capacity utilization during peak periods.
By outsourcing agricultural mechanization, the enterprise minimizes fixed asset overheads, allocating capital efficiently toward core competencies in animal husbandry.
The three-year strategic growth roadmap targets progressive herd expansion, with an immediate milestone of 120 total cattle head—effectively incresing productive capacity. Complementary objectives include systematic acquisition of leased acreage to enhance the owned-to-leased land ratio, fortifying long-term asset control and operational resilience.
The loan facility refinances incumbent liabilities, materially enhancing liquidity and compressing fixed cost structures. This capital restructuring liberates working capital for herd augmentation and land consolidation initiatives, while de-risking the balance sheet and catalyzing accelerated revenue trajectory within Poland's EU-subsidized dairy sector.
This represents a compelling investment in demonstrated livestock management acumen—streamlined operations, quantified scaling objectives, and prudent financial optimization poised for enterprise value creation.

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.