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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.
PL0002262
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 198.00 ha | 100.00 ha |
| 2023 | 2022 | |
|---|---|---|
| Revenue | 146,797.17 € | 143,267.20 € |
| Net profit | - | - |
| Equity ratio | - | - |
Documents
Payment schedule
The borrower is the owner of Berbeka Vegetable Seeds Sp. z o.o., a family-owned business founded in 1946 by his grandfather. The company has a long-standing tradition in vegetable seed cultivation, focusing on promoting both traditional and innovative varieties. The farm, located in Lower Silesia, benefits from the region’s most fertile soils, ideal for vegetable production.
Since taking over the business in 1996, the farmer has grown the farm to its current 198 hectares, with 100 hectares owned. His farm focuses heavily on seed production for vegetable crops, with 50 hectares dedicated to cucumbers, 50 hectares to carrots, and 49 hectares to legumes. An additional 49 hectares are used for growing cover crops such as cress, marigold, and phacelia. These crops support his efforts to increase biodiversity and align with European Union eco-schemes.
Over the years, the farmer has invested in modernizing his farm’s operations, employing a variety of advanced agricultural machinery. His equipment includes a BELARUS 952.2 tractor (2018), KRUKOWIAK onion digger (2019), STALTECH subsoiler (2020), and a FENDT tractor (2001). In addition, the farm uses sophisticated technology for seed processing, such as AGREG seed dryers, and machinery for cleaning and packaging. Drip irrigation systems and eight plastic tunnels of 1500m² support high-quality vegetable seed production.
The farmer breeds both creative and conservative new varieties of vegetable plants, many of which are registered in the Community Catalogue. His intellectual property portfolio, developed over decades, makes his company a leader in high-quality seed production. The seeds are sold throughout Western Europe, Ukraine, and Africa, with sales secured through long-term contracts.
The farmer’s educational background includes a Ph.D. in agricultural economics, and until recently, he taught at the university level. However, he now fully dedicates himself to running the farm.
In the next three years, the farmer plans to focus on expanding the creative and conservative breeding of nine new plant varieties. He also aims to complete the construction of a new residential and warehouse building.
The loan requested will help refinance a previous loan PL0001206 which has an outstanding loan balance of 7 597 € and the remaining fund will be dedicated for the development of the new building, ensuring continued growth and success in both seed production and innovation.
Tractor Belarus 952.2 and Fendt Favorit 920 which were the collateral for PL0001206 will be registered as collateral to secure this loan.
For more information about the company, visit https://berbekaseeds.pl/
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.