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Our consultant will contact you within 1 business day and will inform you about the terms of financing and how to set it up. Failed to submit the application! 0% rate* + Euribor

Planning and turning into reality!

Here you’ll find financing for the needs of your farm.

  • A personal approach to your farm.
  • Special offer! 0% + Euribor interest rate for up to first 2 years*
  • Apply and we’ll arrive at the most beneficial solution together.
  • Unsecured loan is possible.

For new applications submitted by 30 September 2023. Interest rate 0% + 6-month Euribor will be valid for 2 years after which the margin will be set at 1.49% + 6-month EURIBOR. The farmer has to present a valid Sustainable Farmer Certificate to be eligible.

Together we’ll arrive at the most beneficial solution!

A financing expert specializing in agriculture will call you back.
The regular area payments received from the Rural Support Service for a full year. The residual amount of the loan obligations currently in force.
  • EUR
  • EUR
  • EUR

The agricultural financing specialist will draw up an individual repayment schedule and conditions of the loan.

* The calculated monthly payment is for information only and gives an approximate idea.

Important! Please be informed that an increase in the Euribor base rates may result in an increase in your monthly loan payments. For the current amount of the Euribor base rate, see here.

  • Leasing to buy new or used machinery.
  • Solutions for loan without a pledge available.
  • Loan repayment period of up to 20 years.
  • Possible solutions for a loan without down payment.
  • The bank’s experts perform valuation of the land themselves as part of the transaction.
  • Possible extinguishing of loan interest of up to 4% per year as part of the de minimis support by applying in the LAD support programme.
  • Financing of working capital, commodities, fuel, tools, construction
  • Financing for purchasing solar panels, wind turbines and heat pumps.
  • Possible extinguishing of loan interest of up to 4% per year as part of the de minimis support by applying in the LAD support programme.
  1. Fill out the application on the Internet Bank. We will contact you within 2 business days.
  2. Sign the agreement via internetbank or book a time at Swedbank branch.
  3. If necessary, register the collateral and procure insurance.
We can ask for the annual financial report (not older than 12 months) if it has not been submitted to the Commercial Register.
In case of property collateral needed we ask a valuation report from a real estate agency accepted by the bank.
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 to finance 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 EIF.

Requirements for using the EaSI guarantee

  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is up to 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).

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

  • Machinery leasing for new or second-hand land cultivation machinery from 1.49% + 6-month Euribor
  • Working capital - loan interest rate is reduced by 0.3%
  • For infrastructure development Including for production of renewable energy for self-consumption of the farm - 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 30 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. Partner carries out an inspection of the farm and the farm receives the certificate. In case of failure to meet the criteria - an assessment about the necessary improvements.
  3. If the improvements are made - the certificate is issued at the end of the season.
  4. Once the certificate is received, it can be submitted at the bank to get more favourable terms of financing. For additional loan obligations, the farm undertakes to comply with the certificate requirements over the entire loan period*.

* If the sustainable farming certificate is not submitted at the end of every farming season, the bank will raise the price of the respective loan by 0.3% or, in case of leasing, by 1%.

Book a consultation

Find out more about the certification process

Special offers

New Holland, Pöttinger, JCB

New and used machinery

Fendt

New and used machinery

CLAAS

New and used machinery

Amazone

New machinery

Kverneland

New machinery

Manitou

New and used machinery

Latraps LPKS (Kockerling)

New machinery

Dinapolis

New machinery

Rates

From 2.19% + 6 month EURIBOR - for purchase of new machinery

From 2.49% + 6 month EURIBOR - for purchase of used machinery

Agreement duration

5 years - for machinery with up to 140 hp

Up to 7 years - for harvesters and tractors with over 140 hp

In cooperation with: http://www.agritech.lv/

Leasing of machinery with the rates indicated is in force until 01.07.2023, if it’s purchased from the specified retail partner. The lease can be set up at the partner’s retail outlet, your account manager at the bank or by filling out the machinery lease application on the Internet Banking site. The offer is time-limited. The offer is only indicative and may be subject to change after assessment of the application. In case of any question, please get in touch with our specialist.

Rates

From 2.19% + 6 month EURIBOR - for purchase of new machinery

From 2.49% + 6 month EURIBOR - for purchase of used machinery

Agreement duration

5 years - for machinery with up to 140 hp

Up to 7 years - for harvesters and tractors with over 140 hp

In cooperation with: https://www.valtek.lv/

Leasing of machinery with the rates indicated is in force until 01.07.2023, if it’s purchased from the specified retail partner. The lease can be set up at the partner’s retail outlet, your account manager at the bank or by filling out the machinery lease application on the Internet Banking site. The offer is time-limited. The offer is only indicative and may be subject to change after assessment of the application. In case of any question, please get in touch with our specialist.

Rates

From 1.99% + 6 month EURIBOR - for purchase of new machinery

From 2.29% + 6 month EURIBOR - for purchase of used machinery

Agreement duration

5 years - for machinery with up to 140 hp

Up to 7 years - for harvesters and tractors with over 140 hp

In cooperation with: http://www.balticagromachinery.lv/

Leasing of machinery with the rates indicated is in force until 01.07.2023, if it’s purchased from the specified retail partner. The lease can be set up at the partner’s retail outlet, your account manager at the bank or by filling out the machinery lease application on the Internet Banking site. The offer is time-limited. The offer is only indicative and may be subject to change after assessment of the application. In case of any question, please get in touch with our specialist.

Rates

From 0.74% + 6 month EURIBOR - for purchase of new machinery

Agreement duration

5 years

A reduced leasing contract fee is applied to the transaction.

In cooperation with: https://www.amazone.lv/

Leasing of machinery with the rates indicated is in force if it’s purchased from the specified retail partner. The lease can be set up at the partner’s retail outlet, your account manager at the bank or by filling out the machinery lease application on the Internet Banking site. The offer is time-limited. The offer is only indicative and may be subject to change after assessment of the application. In case of any question, please get in touch with our specialist.

Rates

From 0.99% + 6 month EURIBOR. Agreement duration 3 years

From 1.49% + 6 month EURIBOR. Agreement duration 4 years

From 1.69% + 6 month EURIBOR. Agreement duration 5 years

In cooperation with: https://www.dotnuvabaltic.lv/

Leasing of machinery with the rates indicated is in force until 31.12.2023, if it’s purchased from the specified retail partner. The lease can be set up at the partner’s retail outlet, your account manager at the bank or by filling out the machinery lease application on the Internet Banking site. The offer is time-limited. The offer is only indicative and may be subject to change after assessment of the application. In case of any question, please get in touch with our specialist.

Rates

From 2.19% + 6-month EURIBOR - for purchase of new machinery

From 2.49% + 6-month EURIBOR - for purchase of used machinery

Agreement duration

5 years

In cooperation with: https://www.intrac.lv/

Leasing of machinery with the rates indicated is in force until 01.07.2023, if it’s purchased from the specified retail partner. The lease can be set up at the partner’s retail outlet, your account manager at the bank or by filling out the machinery lease application on the Internet Banking site. The offer is time-limited. The offer is only indicative and may be subject to change after assessment of the application. In case of any question, please get in touch with our specialist.

Rates

From 2,19% + 6 month EURIBOR - for purchase of new machinery

Agreement duration

5 years

In cooperation with: https://www.latraps.lv/

Leasing of machinery with the rates indicated is in force until 01.07.2023, if it’s purchased from the specified retail partner. The lease can be set up at the partner’s retail outlet, your account manager at the bank or by filling out the machinery lease application on the Internet Banking site. The offer is time-limited. The offer is only indicative and may be subject to change after assessment of the application. In case of any question, please get in touch with our specialist.

Rates

From 0,99% + 6 month EURIBOR - for purchase of new machinery

Agreement duration

5 years

In cooperation with: www.graintech.lv

Leasing of machinery with the rates indicated is in force until 31.12.2023, if it’s purchased from the specified retail partner. The lease can be set up at the partner’s retail outlet, your account manager at the bank or by filling out the machinery lease application on the Internet Banking site. The offer is time-limited. The offer is only indicative and may be subject to change after assessment of the application. In case of any question, please get in touch with our specialist.

Dinapolis Logo

0% + Euribor interest rate for a special loan that will allow you to use solar, wind or earth heat energy in the daily operations of your farm.

Extra funds for company’s everyday operations and unexpected payments.

To find out which financing option would work best for your farm, sign up for a consultation!
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