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.

PL0003551

Goal
69,000 €
Raised
69,000 €
100%
Return rate
From 14.8%
Rating
B
Period
48
Time left
LTV
59%
Country
Poland
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxx Xxxxxx
Xąxxóxxx 21, 87-326 Xąxxóxxx
header_1
Declared
Owned
Farming land151.00 ha31.00 ha
20252024
Revenue 282,649.00 € 242,477.00 €
Net profit - -
Equity ratio - -
Project description
Documents
Payment schedule
This experienced Polish farmer inherited 21 hectares in 2009 and has skillfully expanded his operations to a total of 151 hectares—31 of which he owns—demonstrating consistent execution of his plans and a growing share of equity.

The farm operates a diversified, high-margin crop rotation on 33 ha of sugar beets, 26 ha of rapeseed, 42 hectares of winter wheat, 28 hectares of sunflowers, 5 hectares of corn, and 17 hectares of grains, balancing crop rotation to ensure soil health, mitigate risk, and optimize revenue. Managed independently to ensure cost-effectiveness.

State-of-the-art machinery underscores technological leadership: three John Deere tractors (T6 800 and 9700i, both from 2025, 6230R from 2021), a Strautmann self-unloading trailer (2022), a Lemken grain seeder (2022), a Kuhn spreader (2023), a Kuhn seeder (2020), a Bednar Terraland chisel plow (2020) — mostly the latest models, indicating aggressive reinvestment.

The loan funds cover key pre-season working capital needs for fertilizers and fuel, ensuring optimal timing for the application of inputs, maximizing yields, and protecting margins during the growing season.


The long-term development strategy involves systematically converting leased land into owned land (at least 5 hectares over 3 years) while expanding “green business” initiatives — strengthening the asset base and sustainability achievements within a leading EU-supported agricultural enterprise in Poland.

Best exposure to large-scale precision agriculture: a proven scaling trajectory, a diversified portfolio, state-of-the-art equipment, seasonal optimization, and strategic land consolidation, creating conditions for further growth in the company’s value.

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.