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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.
PL0000842
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 300.00 ha | 100.00 ha |
| 2021 | 2020 | |
|---|---|---|
| Revenue | 932,270.00 € | 83,354.00 € |
| Net profit | - | - |
| Equity ratio | - | - |
Documents
Payment schedule
Radosław is a young and progressive farmer from the Dolnośląskie voivodship in Poland. He started his farm in 2017 when he inherited 100 ha of land he also rents another 200 ha.
Radosław's business is cereals cultivation (corn, wheat, rapeseed) and sugar beets growing. He has a contract with Pfeifer & Langen (which is among Poland’s largest sugar producers selling the popular Diamant products) to whom he sells his sugar beets. The cereals are sold to different companies and other farmers.
The project owner beside the farm has a second business - he provides transport services for other farmers in his region. He has lots of equipment and also his transport trucks.
Radosław has some lorries: MAN TGS18400, DAF XS105460, MAN TGX 18440.
As a farmer, Radosław is a fan of New Holland agricultural equipment. He has 2 tractors - New holland T 7 315, New holland T 215 - and one harvester - New holland CX 6.90.
For the last 5 years, the farmer has been investing in new equipment and renting out more land to increase his income from farming.
Now he is seeking to borrow from the HeavyFinance investor community to increase the farm's working capital.
About revenue for 2020 - in that year a significant part of the income was made in cash and only 83 354 € in invoices.
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.