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Successful farming starts with good advice

Financing options for your farm

  • Farm leasing for agricultural machinery.
  • Long-term loans for farmers.
  • Loans for the purchase of agricultural land.

Information regarding potential risks

Improper fulfilment of your financial obligations increases your funding costs and can negatively affect your credit history; moreover, if the agreement is terminated due to a material violation on your side, forced debt recovery may be launched and in case of leasing agreement you may lose not only paid premiums but also your ownership right to the pledged property.

Topical! For a loan agreement signed with guarantee provided by UAB “Žemės ūkio paskolų garantijų fondas” you can submit an application for interest compensation from this company.

Learn more

  • Acquisition of agricultural machinery or equipment.
  • Construction or reconstruction of a farm, warehouse, grain drying facility or any other piece of real estate.
  • Investment in biological assets (perennials planted for agricultural products, cattle and other domestic animals acquired for production of milk, for reproduction and breeding of herd).
  • Acquisition of agricultural land.
  • Loan amount from 10 000 EUR.
  • Term up to 5 years, for purchasing agricultural land up to 20 years.
  • Amount of loan when agricultural land is used as a collateral shall not exceed 90% of the market value of the pledged assets.
  • Annual interest rate is determined individually.
  • Loan is repaid in instalments distributed throughout the entire loan period. Interest is paid on a monthly basis.
  • Amount of loan when land and buildings are used as a collateral shall not exceed 70% of the market value of the pledged assets;
  • Amount of loan when other real estate or facilities/equipment are used as a collateral shall not exceed 50% of the market value of the pledged assets;
  • Fees

  • Agricultural and forestry equipment.
  • Construction equipment - tractors, bulldozers, excavators.
  • Utility equipment – loaders, forklifts.
  • Manufacturing equipment etc.
  • Financed asset value: from EUR 8 000.
  • Contract term: from 6 months to 5 years.
  • Down payment: from 15%.
  • Financing of new and used agricultural, warehouse, construction machinery and production equipment.
  • Asset age at the end of the contract: cannot exceed 12–17 years (depending on the type of asset).
  • Leasing guarantees from UAB “Žemės ūkio paskolų garantijų fondas”
Learn more about equipment leasing
  • Fees

What is it for?

By declaring your crops you get direct payments but they are actually paid out later than you need? Knowing how important it is to receive direct payments for declared crops on time, we offer you a loan which is given taking into consideration the amount of direct payments receivable for crops. You can use this loan to carry out all your seasonal farm works.

  • The amount of loan ranges from EUR 4 500 to EUR 100 000.
  • Contract term – up to 18 months.
  • Annual interest rate is determined individually.
  • The loan is given before the receipt of direct payments.
  • The loan is given by transferring money to your account, for this reason, you will not need to bother how to repay the used loan. The limit of the loan will be reduced each time direct payments are received in your account.
  • The amount of loan depends on the amount of receivable direct payments; funding is provided for up to 70% of receivable payments.
  • Fees

Seasonal farm works – sowing, harvesting or acquisition of fertilisers, seeds and pesticides – require circulating capital to settle with suppliers. However, the seasonal nature of agricultural business gives no guarantee that you will receive income for the sold products exactly when you need it. This loan enables you to settle with your suppliers in advance.

Credit line is a form of a short-term loan when you can use the entire or part of the foreseen credit line amount any time you need.

  • Period of the agreement is up to 18 months.
  • The whole loan is repaid at the end of the Credit Line Agreement, meanwhile, interest is paid on a monthly basis.
  • The repayment of loan is secured by pledging assets or by guarantees issued by Žemės Ūkio Paskolų Garantijų Fondas, UAB, the EU or any other third parties.
  • INVEGA programmes
  • Minimum amount of loan is EUR 10, 000.

Loan for circulating capitalis a short-term crediting intended for satisfying the needs of circulating capital.

  • Period of the agreement is up to 18 months.
  • The loan is usually repaid in instalments according to the schedule, and the interest is paid on a monthly basis.
  • The repayment of loan is secured by pledging one’s assets or by guarantees issued by Žemės Ūkio Paskolų Garantijų Fondas, UAB, the EU or any other third parties.
  • INVEGA programmes
  • Minimum amount of loan is EUR 10, 000.

Overdraft is a short-term credit limit in a bank account when you can borrow an amount of money agreed in advance any time you need and have a negative balance in your bank account for a certain period of time.

  • Period of the agreement is up to 12 months.
  • The entire loan is repaid at the end of the agreement term, and the interest is paid on a monthly basis.
  • The repayment of loan is secured by pledging one’s assets.
  • Minimum amount of loan is EUR 10, 000.
  • Fees

What is it?

The Sustainable Farming Certificate is for farms that are engaged in agriculture as the principal or as one of their activities.

Purpose of the certificate

  • Encouraging eco-friendly and responsible farming
  • Helping farmers farm more profitably
  • Ensuring farms have access to more favourable terms of financing

eAgronom is Swedbank’s official partner in the issuance and monitoring of the certificate.

The certificate is an opportunity to obtain a loan on more favourable terms

  • Leasing of agricultural equipment New and used agricultural equipment - from 1.49% + 6-month Euribor (not less than 0%)
  • Working capital financing For land cultivation activities (e.g. fertilizers, seeds, crop rotation activities etc). - loan interest rate is reduced by 0.3%
  • For infrastructure development Investments into energy efficiency within farm or any other investment related to land cultivation. - loan interest rate is reduced by 0.3%
  • Land purchase loan - loan interest rate is reduced by 0.3% and the repayment period can be up to 20 years

To qualify for the certificate, the farm needs to meet the following conditions on a day-to-day basis:

Farm’s GHG* assessment

  • Where energy emissions (including fuel) represent more than 20% of total emissions from non-perennial crop production activity, these emissions must be in a 10% reduction trajectory from a 5-year perspective.

Crop rotation and soil coverage

  • At least 5-year crop rotation, including 1 year of legume (pea, bean, etc.). Multi-species cover crop counts as one crop.
  • At least 75% of living plant coverage index. This means that on average, fields should have crops growing at least 9 months of the year. Winter crops and cover crops can be used to achieve this crop coverage.
  • Residue should be left on the field or replaced respectively with manure to avoid nutrient loss.

Soil management

  • Prevent soil compaction by avoiding traffic on wet fields. This means doing field operations on time, before or after excessive humidity periods (standing water on the field).
  • Peatlands may not be cultivated to avoid loss of soil’s organic carbon. Such wetlands should be kept as is, or turned into grasslands.
  • Maintain permanent grassland. A land that has been grassland for 5 or more consecutive years should remain as such.

Nutrient management and plant protection

  • Precision fertilization is used for mineral nitrogen application, taking into account soil analyzes, yield maps, and other field-specific information.
  • Manure is incorporated into the soil via injection (slurry) or within 1h (manure).
  • No increases in quantities of plant protection products used (either in total, or per crop type per unit area) compared to an annual baseline average determined over a rolling 5 year baseline period.

Learn more

  1. The farm applies for the certificate in the official partner’s system.
  2. The partner carries out an inspection of the farm and the farm receives a certificate. If it does not meet the criteria, an assessment is made of what needs to be improved. The certificate is issued for a period of 12 months.
  3. Once the certificate is obtained, it can be presented to the bank to obtain more favourable financing terms.
  4. Upon signing the financing agreement, the farm undertakes to comply with Swedbank’s Sustainable Farming Terms & Conditions.
  5. No later than 12 months from the date of issue of each certificate, the farm must provide the bank with a new certificate confirming that the farm has complied with Swedbank’s Sustainable Farming Terms & Conditions * in force at that time.

Sustainable Farming Terms & Conditions

* In the event of a breach of the obligation to provide a new certificate, the bank has the right to unilaterally increase the cost of the loan by 0.3%, or 1% in the case of leasing, upon prior written notice to the customer.

Agreements signed by INVESTMENTS AND BUSINESS GUARANTIES UAB (INVEGA) and Swedbank create additional opportunities for us to provide loans to small, medium-sized and small enterprises in Lithuania. The programmes provide financing for necessary investments or working capital when a company does not have sufficient collateral.

Requirements for companies

  • The number of employees of the company must not exceed 250 persons.
  • The annual turnover of the company must not exceed EUR 50 million and/or the value of the total assets on the company's balance sheet must not exceed EUR 43 million.

The maximum loan amount is EUR 1 875 000, but:

  • EUR 937 500 for road haulage companies.
  • For companies active in the primary production of agricultural products – EUR 234 375.
  • Companies active in fisheries and aquaculture: EUR 281 250.

In any event, the amount of De minimis aid calculated for the amount of the loan granted to the borrower may not exceed the maximum amount of De minimis aid allowed under Regulation 1408/2013 or Regulation 1407/2013 or Regulation 717/2014.

  • Financing of investments in tangible and/or intangible assets and/or working capital.
  • The loan is limited to potentially economically viable activities linked to the establishment, expansion or strengthening of the company.
  • The Credit Line may allow collateral (guarantees) to secure the Borrower's obligations:
    • guarantee of the validity of the offer;
    • contract performance guarantee;
    • advance repayment guarantee;
    • payment guarantee.
  • The number of loans per Borrower is not limited, provided that the De minimis aid threshold is not exceeded.
  • Declaration of small and medium-sized status;
  • declaration by one company,
  • business plan;
  • financial statements for the last 2 financial years.

For more information on INVEGA’s Portfolio Guarantees 3, click here.

For further information on INVEGA programmes and/or to submit your application and other documents, please contact us by email at or call us on +370 5 268 4422.

This funding is available because of:

  • The tripartite agreement signed on 15 April 2016 between the Ministry of Economy of the Republic of Lithuania, the Ministry of Finance of the Republic of Lithuania and INVEGA, which established the Business Financing Fund financed by the European Regional Development Fund and entrusted INVEGA with the functions of its manager.
  • The financing agreement signed on 7 April 2009 between the Ministry of Finance of the Republic of Lithuania, the Ministry of Economy of the Republic of Lithuania and INVEGA, on the basis of which a holding fund, INVEGA Fund, was established and the functions of its manager were delegated to INVEGA.
  • Required documents

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What will be your next sustainable step?

October is Sustainability Month!

  • Identify material ESG issues for your company
  • Calculate your company’s sustainability index
  • Sign up for a one-to-one sustainability consultation
  • Learn more about CO2 emissions in business
Join the change

Measure your company’s sustainability

Swedbank and Verslo žinios invite companies to assess their sustainability using a new tool on the portal completely free of charge.

Why should you use the index?

  • Show your achievements in sustainability area to partners, clients, and the public.
  • Identify strengths and areas where you can make improvements.
  • Gain a competitive advantage in the market.
Find out more