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.

PL0003719

Goal
22,800 €
Raised
4,200 €
18%
Return rate
13.5%
Rating
B+
Period
48
Time left
LTV
61%
Country
Poland
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxxxx Xxxxxxxx
Xxxxxx, Xxxxxx, Xxxxxx 56
header_1
Declared
Owned
Farming land5.75 ha11.75 ha
20252024
Revenue 32,211.10 € 26,026.96 €
Net profit 0.00 € 0.00 €
Equity ratio 0% -

Investment calculator

Pick one of the suggested or type in your own amount to see interest rate and preliminary earnings.
Interest

13.5%

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 € - 13.5%
Project description
Documents
Payment schedule
The farm has been operating since February 2014, when 5.75 hectares of agricultural land were received from the owner’s brother. The business currently operates a total of approximately 11.75 hectares, consisting of 5.75 hectares of owned land and an additional 6 hectares used under lease arrangements. The available land supports both crop production and cattle farming, creating a complementary agricultural business model.

The current crop structure includes 5.75 hectares of grassland, 2 hectares of grain corn, 2 hectares of barley, and 2 hectares of rye. A significant part of the production is used to provide feed for the cattle, which helps reduce external feed purchases and supports better control over operating costs. The farm currently keeps 35 head of beef cattle for fattening and plans to continue developing this area of production.

The farm has invested in modern agricultural equipment, including a 2024 Agromasz carousel, a 2024 Agromasz disc harrow, and a 2020 Simpa bale wrapper. This machinery supports fieldwork, forage preparation, and the efficient handling of agricultural production. The existing equipment base allows the farm to carry out most essential activities independently and reduces the need to outsource work.

The development plan is based on the gradual expansion of the cattle herd by approximately 10 animals each year. This approach will allow the business to increase production capacity in a controlled manner while making use of its existing land, buildings, and equipment. In addition, a neighboring 1-hectare parcel may become available for purchase. Acquiring this land would increase the owned agricultural area, improve the farm’s operating base, and create additional opportunities for future development.

The financing will be used to purchase additional beef cattle and support the continued expansion of the existing agricultural business. Through its combination of owned and leased land, crop production, cattle fattening, modern equipment, and a clearly defined development plan, the farm has a solid foundation for gradual and sustainable growth.

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.