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.

PL0003732

Goal
79,000 €
Raised
5,978 €
7%
Return rate
From 12.2%
Rating
B+
Period
48
Time left
LTV
50%
Country
Poland
Loan purpose
Land purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxx Xxxxxxx
Xxxxxx, Xxxółxx, Xxxxxxxxx, 41
header_1
Declared
Owned
Farming land10.00 ha95.00 ha
20252024
Revenue 133,317.00 € 93,397.00 €
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

12.2%

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 € - 12.2% Investing from 500 € - 12.8% Investing from 1,000 € - 13.1% Investing from 2,000 € - 13.3% Investing from 5,000 € - 13.6% Investing from 10,000 € - 13.8% Investing from 20,000 € - 14.1%
Project description
Documents
Payment schedule
The farm has been operating since early 2016, when it was purchased from an acquaintance of the owner with a mortgage loan, which has since been fully repaid. The business currently operates a total of approximately 95 hectares, consisting of 10 hectares of owned land, 25 hectares used under documented lease agreements, and an additional 60 hectares used under verbal lease arrangements. The available land supports both crop production and livestock farming, creating a complementary agricultural business model.

The current crop structure includes 20 hectares of grassland, 20 hectares of corn, 25 hectares of cereal mixture, 10 hectares of barley, 10 hectares of triticale, 6 hectares of soybean, and 4 hectares of wheat. A significant part of the production is used to provide feed for the livestock, which helps reduce external feed purchases and supports better control over operating costs. The farm currently keeps 45 dairy cows, 15 heifers, and 25 calves, and plans to continue developing this area of production.

The farm is run as a family business. The owner is supported by his parents and siblings, and no external employees are hired, which keeps labor costs low and ensures flexibility in managing day-to-day operations.

The development plan is based on expanding dairy cattle breeding and beef cattle fattening, together with increasing crop production. This approach will allow the business to grow production capacity in a controlled manner while making use of its existing land, buildings, and experience. Increasing the share of owned land is a key element of this strategy, as it will strengthen the farm’s operating base and reduce dependence on lease arrangements, particularly those that are not formally documented.

The financing will be used to purchase agricultural land and to refinance a more expensive existing liability. Acquiring additional land will increase the owned agricultural area, improve the stability of the farm’s operations, and create new opportunities for future development. Refinancing the existing obligation on more favorable terms will reduce financing costs, improve the farm’s cash flow, and free up additional funds for operating needs and further investment. Through its combination of owned and leased land, diversified crop production, dairy cattle breeding, a family-based workforce, 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.