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Farm grows when it has helpers

A great yield starts with a handful of grain. A large set of equipment starts with one tractor. A large farm starts with one phone call.

  • Long-term loans for farm modernisation.
  • Equipment and machinery leasing.
  • Easy sign agreements via Internet bank.

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.
  • 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;
  • Amount of loan when agricultural land is used as a collateral shall not exceed 90% of the market value of the pledged assets.
  • Pledge of account balances in Swedbank (in all cases).
  • The investment object itself needs to be pledged.
  • Pledge of land and buildings, other movable or immovable property.
  • Sureties and guaranties.
  • 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).
Learn more about equipment leasing

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.

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.
  • 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.
  • 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.
  • Farm/company registration documents (certificate, articles of association).
  • Copy of the identity document of the manager of the farm/company.
  • The financial statements of the farm/company for the previous reference year and the most recent reference period (balance sheet, profit and loss account). If you do not have double entry bookkeeping and your liabilities to Swedbank do not exceed EUR 30 000, then you only need to provide an Economic Holding Size (EDV) Certificate and an income declaration for the 2 previous years;
  • Agricultural Land and Crops Declaration or EDV certificate;
  • Documents relating to the property to be mortgaged or to be acquired;
  • Consent to receive and process data from the National Paying Agency (if you are applying for a Direct Payment Loan);
  • VAT certificate (if you are applying for a lease).*
  • Farmer's loan application form
  • Farmer's leasing application form

* This list is not final and additional documents may be required depending on the situation.

Contracts entered into between the European Investment Fund (EIF) and Swedbank enable us to provide loans and leasing services to micro, small and medium-sized enterprises in Estonia, Latvia, and Lithuania. The EIF aims at helping to finance and carry out investments in the European Union and ensuring greater access to capital. The guarantee programmes also help financing necessary investments if an enterprise does not have sufficient collateral.

EaSI guarantee

The objective of this program is to increase access to finance for micro-enterprises by offering additional guarantee from the EIF.

Requirements for using the EaSI guarantee:

  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is 25 000 EUR.
  • The company has up to 9 employees.
  • Annual turnover is up to 2 million EUR or the balance sheet total is up to 2 million EUR
  • The guarantee is free of charge.

The supported financing benefits from the support of the European Union under the Guarantee Facility established under Regulation (EU) No 1296/2013 of the European Parliament and the Council establishing a Union Programme for Employment and Social Innovation (“EASI”) and the European Fund for Strategic Investment (“EFSI”) set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing. Additional information on EFSI can be found on the information page provided by the European Commission ( and on Twitter (#investEU).

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