Which type of loans can you apply for?
"Gårdskapital has been more like a partner than a bank – they helped us with a tailored loan to co-finance our investment."
Enabling more profitable investments
We work with farmers to offer flexible financing solutions that support investments in for example land, buildings, and equipment. Whether you're growing your business, transitioning ownership, or making your farm more resilient, we're here to help.
Read more about how other agribusinesses have used our financing services in our customer stories
Our key criteria
1. Profitability
Capacity to repay in time
To process your application we request financial data to assess the profitability, cashflows and future repayment capacity of your farm business.
2. Resilience
Positive impact
A central part of our credit assessment is to assess how actively the company works to enhance its environmental benefits and manage environmental risks.
3. Creditworthiness
Responsible business practices
We also assess factors such as your credit history, the company's ability to adapt to market developments, and the type of collateral you can provide for the loan.
Examples of previously financed loans
Liquidity loan for organic crop farm
An organic crop farm north of Uppsala financed a short-term increase in liquidity needs with a tailored loan from Gårdskapital to develop its cooperation with a nearby horse farm and secure more long-term supply of organic manure.
Bridge financing of investment grant
A farm in Skåne was granted investment support to develop its egg production and was able to smoothly finance the investment with a bridge loan from Gårdskapital while waiting for the support payments to begin.
Machine financing - Weed harrow
A farm in Västra Götaland invested in a new weed harrow to reduce its need for chemical weed control and to achieve better utilization of nitrogen application. The machine was financed with a loan from Gårdskapital with a customized repayment schedule.
4 reasons to apply for financing through Gårdskapital
- Complement to bank financing
- Application process tailored for farm businesses
- Repayment schedule can be tailored
- Possible to borrow against alternative collateral
How to apply for a loan?
2. Evaluation
We conduct a credit analysis and get back to you with more information about what loan terms we can offer.
3. Offer
If the project is approved by our credit committee, we will send you a loan offer.
4. Signing
The loan agreement and collateral are signed.
5. Disbursed loan
The loan is disbursed to you. We then follow the project from start to finish, and help you along the way!