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For Farmers

A farmer stands in a grain field with a laptop in his hand

Farmer is planning, Swedbank is financing

Acquisition of equipment

  • Leasing for purchasing new or used agricultural machinery.
  • Seasonal repayment schedule based on cash flows.

Long-term investments

  • Investment loan for up to 30 years for purchasing agricultural land.
  • Loan for construction and renovation of buildings.
  • Valuation of land by bank experts.
  • Security can be provided in the form of a mortgage on real estate or arable land, and if necessary, surety from the Rural Development Foundation.

Ecofriendly investments

  • Financing for purchasing solar panels, wind turbines and earth energy heat pumps.
  • Lower than usual interest rate for loans.
  • Interest for electric, hybrid or low CO2 emission cars from 1.49%.

Working capital financing

  • Flexible short-term loan for financing seasonal work.
  • Security can be provided as a mortgage or Rural Development Fund surety.
  • Loan of up to 15000 euros secured by farming subsidy, up to 75% of the subsidy received.
  1. Fill out the application in the Internet bank. We will contact you within two business days.
  2. If property collateral is needed, we will require a valuation report from a real estate agency accepted by the bank.
  3. Sign the agreement digitally.
  4. If necessary register the collateral and procure insurance.
  5. The money will be transferred to your account.
We can ask for the annual financial report (not older than 12 months) if it has not been submitted to the Commercial Register.

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.

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 Guarantee is provided with the ultimate purpose of enhancing access to finance in line with defined policy objectives.

InvestEU SME Guarantee

Guarantee program for medium-sized enterprises “InvestEU SME Guarantee”

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

Conditions for using the InvestEU SME guarantee:

  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is up to EUR 2,000,000.
  • The company has up to 250 employees.
  • The annual turnover is up to 50 million EUR, or the balance sheet total is up to 43 million EUR.
  • The guarantee is free of charge.

To get the EIF-supported financing, ask your contact person in the bank or fill in an application.

InvestEU Micro Guarantee

Guarantee program for micro-enterprises “InvestEU Micro Guarantee”

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

Conditions for using the InvestEU Micro Guarantee:

  • Fixed assets and working capital are financed.
  • The maximum amount to be financed is up to EUR 50,000.
  • The company has up to 9 employees.
  • The 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.

To get the EIF-supported financing, fill in an application.

The supported financing benefits from the support from the European Union under the InvestEU Fund. The InvestEU Fund is designed to support policy objectives of the European Union by means of operations that contribute to (i) the competitiveness of the European Union; (ii) growth and employment in the European Union economy, the sustainability of the European Union economy and its environmental and climate dimension; (iii) social resilience; (iv) the promotion of scientific and technological advances, of culture, education and training; (v) the integration of the European Union capital markets and the strengthening of the internal market; (vi) the promotion of economic, social and territorial cohesion; or (vii) the sustainable and inclusive recovery of the European Union economy after the crisis caused by the Covid-19 pandemic.

Additional information can be found on the information page provided by the European Commission.

European Investment Fund

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SWEDBANK AS
Liivalaia 8, 15040 Tallinn
SWIFT code/BIC: HABAEE2X
Reg. number: 10060701

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