Machinery and Equipment
Financing for tractors, combines, implements, production equipment and other long-term farm investments.
- New and used machinery
- Production and technological equipment
- Storage and processing solutions
Agricultural financing advisory services
Financing for farmers and agricultural companies
We help secure financing for machinery, land, buildings, livestock, working capital and the implementation of EU-supported projects.
Investments
machinery, equipment, land and buildings
Working capital
seeds, fertilizers, fuel and services
Seasonality
repayment schedules adapted to farm cash flow
Financing options
Solutions tailored to farm activity and seasonality
Agricultural financing differs from standard business financing because of seasonal income, harvest cycles and long-term investments.
We assess the farm’s operating history, economic size, income, existing liabilities, planned investments, support projects and possible security for financing.
Financing types
What farming needs can we help finance?
We select the financing instrument according to the purpose of the investment, its payback period and the farm’s ability to meet its obligations.
Land and Buildings
Financing for agricultural land, farms, warehouses, construction or reconstruction of production buildings.
- Land acquisition
- Construction and reconstruction of buildings
- Farm infrastructure development
Livestock and Biological Assets
Financing for livestock herds, seedlings, perennial plants and other long-term biological asset investments.
- Livestock herd development
- Perennial crops
- Expansion of farm activity
Working Capital
Short-term financing for seeds, fertilizers, feed, fuel, raw materials and other seasonal expenses.
- Working capital loans
- Credit lines
- Seasonal financing
EU Support Projects
Financing for the own contribution, interim payments and other costs required to implement an EU-supported project.
- Investment financing
- Bridge financing
- Project cash flow planning
Refinancing and Leasing
Restructuring existing loans or acquiring machinery and equipment through financial leasing.
- Extension of financing terms
- Adjustment of seasonal repayment schedules
- Leasing of machinery and equipment
Agricultural specifics
Financing adapted to seasonal cash flows
Farm income and expenses are uneven throughout the year, so it is important to structure the repayment schedule appropriately.
Seasonal repayments
A schedule may be structured so that a larger share of repayments is made during periods when the farm receives its main income.
Grace period
For long-term investments, the possibility of deferring principal repayments may be considered.
Working capital credit line
It can help finance current-season expenses until products are sold or other income is received.
The final repayment schedule and its terms are determined by the financing institution after assessing the specific farm situation.
Preparation
What information do financing providers assess?
The required documents depend on the farm’s legal form, activity, purpose of financing and the selected financial institution.
Get a Tailored Document List
01
Farm activity information
Type of activity, history and economic size of the farm.
02
Financial data
Income, expenses, profitability and current financial results.
03
Declaration documents
Crop, land, livestock and other data supporting the farm’s activity.
04
Investment documents
Budgets, offers and information about asset or machinery purchases.
05
Existing liabilities
Repayment schedules for loans, credit lines and leasing.
06
Security measures
Information about assets, guarantees or other security for financing.
Additional security
ILTE guarantees for agricultural financing
When standard security is insufficient, the possibility of an ILTE individual guarantee may be assessed for investment financing, working capital loans or leasing.
Eligibility for a guarantee and financing terms are assessed individually by the financial institution and the body administering the instrument.
Process
How does farm financing work?
From assessing the financing need to comparing offers and selecting the most suitable solution.
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1
Discussing the need
We assess the required amount, purpose, term and planned investment.
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2
Farm analysis
We review income, seasonality, liabilities, assets and operating results.
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3
Document preparation
We help prepare the application, forecasts, investment plan and other required information.
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4
Approaching financing providers
We approach institutions suited to the farm’s situation and financing needs.
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5
Comparing offers
We compare the term, repayment schedule, interest rates, fees, collateral and other conditions.
Frequently asked questions
What should you know before applying?
Every farm’s financing options are assessed individually based on activity, income and planned investment.
Discuss Your Farm’s SituationWhat purposes can farmers obtain financing for?
Financing may be used for machinery, equipment, land, buildings, livestock, working capital, investments or implementation of an EU-supported project.
Is seasonality taken into account?
Yes. When structuring financing and repayment schedules, the seasonality of the activity and projected cash flows may be taken into account.
Do you help finance EU-supported projects?
Yes. We help identify financing for investments that are fully or partly implemented using EU support funds.
Can existing farm liabilities be refinanced?
Yes. We assess options to extend the term, adjust the repayment schedule, increase the financing amount or transfer liabilities to another financing provider.
Planning investments?
Let’s assess your farm’s financing options
Provide the main information about the farm, planned investment and required amount. We will contact you to discuss possible financing directions.