Ūkio paskola

Ūkio paskola skirta žemės ir technikos įsigijimui, apyvartiniam kapitalui padidinti, kitiems ūkio plėtros poreikiams. Paskolos sąlygos priklauso nuo ūkio kreditingumo, paskolai užtikrinti įkeičiamo turto, paskolos grąžinimo laikotarpio ir kitų kriterijų.

PT0001183

Tikslas
66,000 €
Surinkta
66,000 €
100%
Palūkanų dydis
Nuo 12.2%
Reitingas
B+
Periodas
23
Liko laiko
LTV
28%
Šalis
Portugal
Paskolos tikslas
Working capital
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas
Adresas
Xxxxxxxxx Xxxxxxxx Xxxxx xx Xxxx, Xxx, Xxxxx Xxxxxxxx
Xxxx Xxxxxxxxxx xxxx 4, 2550-171, Xxxxxxx, Xxxxxxxx
header_1
Deklaruotas plotas
Nuosavas plotas
Dirbama žemė180.00 ha140.00 ha
20212020
Pajamos 1,042,262.41 € 888,008.37 €
Grynasis pelnas 135,703.34 € 21,795.63 €
Nuosavo kapitalo santykis 57.79% -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas

Sociedade Agricola Quinta da Eira, Lda is a family-run farm with a long story passed down through generations. The total farmland area of the family business amounts to 140 ha and has been passed down from father to son in the “Casimiro” family for the past 4 generations, and the project owner is also exploring an additional 40 Ha of rented land. 115 Ha of this farmland are orchards of Pears, plums, and apples, while the remaining 65 Ha are dedicated to vineyards. The sales of fruits and wine from the farm's production are assured by their current buyers in the national and international markets.


In the past years, the family went through a major investment effort to restructure and modernize the business in three main areas.

- The automation to optimize the processes of the Apple, Pear, and Plum orchards that are the main business area. A large part of the farmlands was re-planted recently with improved organization and structures, which represents an increase in production in the next years. They also have now full coverage with their own water holes and efficient irrigation systems in place. Both orchards and vineyards are fully mechanized, having their own harvesting platforms and harvesting machines.

- The revival of the family wine business, redoing and equipping the cellars with full capacity for the expected production of the coming years and with a bottling line. They are also in the process of the international expansion of the wine company, which was established in 1998, and have been registering their wine brands for export. The expectation is that this business revenue will grow to surpass the weight fruit business.

- They also started an Agro/Wine tourism business, given the proximity to Lisbon, the beachside, and premium golf courses, building a space dedicated to wine tasting and shop, and the restoration of the family’s 200 years old wine cellars.




Tiago Casimiro, the director of Sociedade Agricola Quinta da Eira, Lda has already 2 loans on the HeavyFinance platform with a total active amount of 35 500 € that he has been paying timely. These other loans were focused on the campaign costs of their Pear, Apple, and plum businesses, to face the current market situation that boost production costs to almost triple.

However, this loan is to be applied specifically to their wine business, to buy bottles, corks, boxes, labels, and all other expenses necessary to bottle 75 000 litters of wine (100 000 bottles). This amount of wine that they have in vats is divided between Syrah, Alicante Bouschet, Touriga Nacional Caladoc, and Touriga Franca for Red wines and Moscatel, Arinto, Viosinho, Verdelho, Encruzado and Fernão Pires for the White wines. This represents a quite diversified portfolio of wines regarding the grapes, quality tiers and the blend possibilites, allowing them to have viable options for different markets and sectors.

Thus, with this financing, the company will be able to sell the wine bottled and labelled with their brand, instead selling the wine by the barrel to another brand. This will have a large impact on their revenue, given that it represents an increase of the expected selling price from a price range of 0.55 to 0.65 euros per litter if sold in vats, to an expected average 3.75 to 4.25 euros if sold in bottles (2.25 to 7.00 euros per bottle, depending on the wine). This was the original plan of the business before the steep increase of prices all across the production processes, which forced them to consider selling of the wine in vats.

To ensure this loan, the project owner is pledging the equipment of the wine cellar, which represented an investment of 1.4 Million euros in stainless steel alone in 2012. The price of stainless steel has since more than doubled, as the large stainless steel wine containers (wine vats). These assets are insured to a maximum of 2.25 million euros, and have high liquidity, given the demand for this equipment among Portuguese wine producers. The collateral will be pledged with a value of 235 935 €, giving 28% LTV. This is the second one of the company which is backed by wine vats, the same asset as the previous loan PT0001182 which is currently under the documentation process. 

Projekto rizika

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Papildoma informacija:

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