A loan secured by farmland. Faster than a bank and without its requirements.
We finance land purchases, machinery, farm investments and bridge financing before an EU grant. We understand the specifics of farming: seasonality, KOWR, direct payments.
Non-bank financing for farmers. For those a bank doesn't understand.
A farmer isn't a standard borrower. Seasonal income, wealth tied up in land, direct payments, income that varies year to year. A bank doesn't know how to calculate that. We understand the specifics of farming and build financing around it, not against it.
The collateral is a mortgage on agricultural real estate: land, farm buildings, silos. We adapt the repayment schedule to the agricultural cycle, not to a bank's monthly-installment calendar.
A schedule matched to the agricultural cycle. Not monthly installments like at a bank, but dates that match your real cash flow.
Farmland with KOWR restrictions, different soil quality classes, land with no land register entry. We have experience with complicated cases.
Have a PROW or KPO grant awarded, but the funds are reimbursed after completion? We finance the investment. You repay after receiving the grant.
Agricultural financing is for you if…
- You want to buy farmland, but the bank takes 3 months to process the application and the opportunity will be gone within a week
- You want to buy expensive equipment (a combine, silo, cold store), and the bank requires a balance sheet that doesn't reflect your wealth tied up in land
- You have an EU grant awarded (PROW, KPO), but you first have to carry out the investment with your own funds
- The harvest was weaker or purchase prices were low, and you need working capital to get through the season
- You want to pay off co-heirs and keep the farm in the family
- You have several expensive loans and leases and want to consolidate them into one lower installment
- The bank refuses because of seasonal income or the lack of a standard tax return
From conversation to cash, accounting for the specifics of farming
We know the specifics of farmland, KOWR and agricultural valuations. We don't waste time learning from scratch.
You describe what you need: amount, what land or property you have as collateral, purpose, timeline. A preliminary assessment during the call.
We order a valuation from an appraiser who knows the agricultural market in the given region. We account for soil quality classes, KOWR and the specifics of farmland.
The amount, fee and a repayment schedule matched to the agricultural calendar. Everything in writing, with no hidden costs.
The loan agreement and mortgage on the agricultural property. We account for KOWR's right of first refusal and the specifics of farmland transactions.
Cash in your account. You repay after harvest, after receiving a grant, or according to the agreed schedule. Not in monthly installments like at a bank.
We understand farming better than a bank's credit analyst
Schedule after harvest
A bank requires monthly installments. A farmer earns once or twice a year. We build repayment around the agricultural calendar: quarterly, half-yearly, or balloon installments after the season.
Farmland as collateral
Farmland has trading restrictions and complicated valuation. We work with appraisers and lawyers who know agricultural law. No transaction catches us off guard.
Bridge financing before an EU grant
PROW and KPO funds are reimbursed after the investment is completed. We finance the execution, and you repay the loan once the grant reaches your account. No risk of losing the awarded funding.
Speed for opportunities
An opportunity on farmland disappears quickly. A bank processes an application for months. We work efficiently and can close the transaction before another buyer manages to apply.
Seasonal income? Not a problem.
A bank expects regular inflows. We assess your overall financial situation: land, machinery, direct payments, purchase contracts. Not just your last tax return.
Inheritance and succession
Want to take over the farm and pay off your siblings? Inherited land with debt attached? We have experience financing complicated inheritance and family situations in farming.
Four things that set agricultural finance apart from everything else
Banks apply the same template to a farmer as to a salaried employee. That's a mistake, and it's exactly why so many applications end in refusal.
Seasonal income
A bank looks at monthly inflows. A farmer earns once or twice a year, after harvest. Average annual income can be high, but monthly cash flow looks alarming to a credit analyst.
Our solution: a repayment schedule matched to the season.
KOWR and land trading
The Act on Shaping the Agricultural System restricts land trading. KOWR has a right of first refusal on purchases above 0.3 ha by non-farmers, which complicates and slows down bank transactions.
Our solution: experience structuring transactions that account for KOWR.
Complex income structure
Direct payments, sale of agricultural produce, land leases, non-agricultural activity. Each source has different documentation. A bank doesn't know how to aggregate it.
Our solution: we look at your total wealth and all sources, not just your tax return.
No credit history
Many farmers have never used a bank loan. Their business was financed from their own or family funds. No BIK history is a red flag for a bank. For us, it's normal.
Our solution: we assess capacity based on assets and real cash flow, not a scoring model.
Frequently asked questions from farmers
Yes. The soil quality class isn't an obstacle. What matters is the market value in the given location. Lower-class land in attractive regions can have high value. We assess each property individually through an independent appraiser.
We finance businesses. We require you to run a business, but it doesn't have to be a sole proprietorship. We finance individual farmers, agricultural companies, cooperatives and agri-holdings. What matters is the property offered as collateral.
We adapt the schedule to the agricultural cycle. A balloon repayment (a single payment after harvest), quarterly or half-yearly installments, and a grace period on principal for the first few months are all possible. We work this out together when negotiating terms.
KOWR's right of first refusal is a factor we account for in the transaction structure from the very beginning. We work with law firms that know agricultural law. No part of the process catches us off guard.
The mortgage is entered in the land and mortgage register, because that's a legal requirement. The loan agreement itself is a private document and doesn't go into public registers. We don't report to BIK. Discretion matters a great deal to many farmers, and we understand that.
Ask about financing for farmers
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You can also call: +48 727 941 789 or write to biuro@pozabankiem.pl
