Liquidity loan for organic vegetable production

• Credit score B

The loan applicant is an experienced greenhouse farmer specializing in organic production of tomatoes and cucumbers, along with some cultivation of cut flowers, operating on a small agricultural unit of 2 hectares. The business has a strong local presence, with approximately 45% of revenue generated from direct to consumer sales. To manage seasonal cash flow challenges, where income is primarily generated during summer and autumn while operating expenses are concentrated in spring and summer, the farm is seeking a loan of 150,000 SEK with a term of approximately 1 year and 3 months.

The purpose of the loan is to secure liquidity for wages and input purchases ahead of the upcoming growing season. The investment will help stabilize cash flow and safeguard the farm’s ability to continue operations during the pre-harvest period.

The business is considered stable with a solid future demand for locally produced organic vegetables. Despite seasonal fluctuations, the farm demonstrates a good ability to manage operating costs and cash flow, making the credit risk limited.