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.

PL0003494

Goal
17,500 €
Raised
17,500 €
100%
Return rate
14%
Rating
B+
Period
48
Time left
LTV
50%
Country
Poland
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxx Xxxxxxx
Xxxóżxxxxx 20, 64-800 Xxxóżxxxxx
header_1
Declared
Owned
Farming land64.00 ha1.73 ha
20252024
Revenue 43,505.00 € 44,146.00 €
Net profit - -
Equity ratio - -
Project description
Documents
Payment schedule
This farm entered a new phase in 2023, when the current farmer took over a well-established 64-hectare operation from his parents. Building on this foundation, he combines crop production with beef cattle breeding, creating a balanced and resilient business model from the outset.

Diversified and Synergistic Operations:

Crop Structure: 11.5 ha wheat, 25.6 ha triticale, 10.4 ha silage corn, 9 ha grain corn, 4.4 ha alfalfa, and 0.4 ha potatoes—carefully aligned with livestock needs and market demand.

Livestock: 12 bulls and 39 heifers, forming a solid base for scaling beef production.

Proven Machinery Base: JOHN DEERE 6130M tractor (2015), METAL FACH disc harrow (2015), AGRO MASZ reversible plow (2015), METAL FACH manure spreader (2012), and AGRO MASZ grain seeder (2012)—ensuring operational continuity and efficiency.

The integration of crop and livestock production enhances cost control through on-farm feed production while stabilizing revenue streams.

Clear Expansion Strategy:
Over the next five years, the farmer plans to systematically increase ownership by purchasing leased land, expand the beef herd supported by the construction of a new barn, and diversify crops with high-margin additions such as rapeseed, soybeans, and sugar beets. Planned grain storage infrastructure will further strengthen independence and pricing flexibility.

Purposeful Use of Funds:
Loan proceeds will cover essential operating costs, including fertilizers and plant protection products—key inputs that directly impact yield quality and revenue generation. This ensures uninterrupted production and supports the farm’s ongoing development.

Invest in a next-generation farmer building on a solid inherited base, combining diversification, disciplined growth, and clear long-term vision.

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.