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.

PL0003493

Goal
94,635 €
Raised
900 €
0%
Return rate
From 13.9%
Rating
B
Period
48
Time left
LTV
30%
Country
Poland
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxx Xxxx
Xxxxx 63, 64-720 Xxxxxx
header_1
Declared
Owned
Farming land296.00 ha94.00 ha
20252024
Revenue 327,806.00 € 223,448.00 €
Net profit - -
Equity ratio - -

Investment calculator

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Interest

13.9%

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 € - 13.9% Investing from 500 € - 14.5% Investing from 1,000 € - 14.8% Investing from 2,000 € - 14.9% Investing from 5,000 € - 15% Investing from 10,000 € - 15.1% Investing from 20,000 € - 15.3% Investing from 30,000 € - 15.6%
Project description
Documents
Payment schedule
This Polish dairy operator has been running the farm since 2015, when he received 29.22 hectares via a gift deed from his parents. Over the years he has developed a sizeable 296‑plus‑hectare operation, with 94 hectares of owned land and additional documented and undocumented leasehold, giving a strong total area under management.
The farm focuses on grass‑based dairy production, with last year’s crop structure comprising 7 hectares of triticale, 24 hectares of alfalfa, and about 141 hectares of grassland (around 80 hectares of reseeded meadows and the rest natural pastures). For the current season, roughly 28 hectares will be sown with maize for silage, supporting the milking herd. The business runs a milk herd of about 84 dairy‑cow units (47 milking cows and 54 heifers), with plans to grow the in‑milking herd to 80–100 cows.

The operator currently works without permanent staff but plans to hire one full‑time worker by year‑end to match the growing herd size. The farm is equipped with modern machinery, including: a Claas Axion 850 tractor (2016), a DeLaval VMS milking robot (2015), a Pichon TCI 12600 slurry tanker with applicator (2024), a Samasz KDD 941 STH / KDF 352S “motyl” mower (2024), and a CAT TH337C telescopic loader (2014). 

The development plan over the next five years centers on running milk production, completing the barn refurbishment, and installing a second milking robot, with the herd expanding toward 80–100 milking cows. The operator also plans to take over additional lease land, to bid for up to 115 hectares of nearby lease through KOWR, gradually consolidating a large, contiguous dairy operation.

The financing will support this expansion, with part of the loan allocated to the second milking robot, barn‑finishing works, and the purchase of new cows, and another portion to fertilizers and seeds for the grass‑ and maize‑based feed system. Together, this capital strengthens infrastructure, raises herd size, and positions the farm for a clear move toward one‑million‑liter‑scale milk production in the Polish dairy sector

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.