Loan secured by agricultural land
A loan secured by agricultural land is a flexible financing solution that helps bring your bigger plans to life.
Loan amount
from €100,000
Repayment schedule
up to 20 years
Interest rate
from 5.5% + 6 months Euribor
Contract fee
€0
Collateral
agricultural land
Valuation report
not required
Refinance your business loans
If your current business loan no longer meets your company’s needs, it might be time to restructure your financial obligations.
Holm Bank offers loans for companies secured by agricultural land with a repayment term of up to 20 years. This allows you to spread your obligations over a longer period and shape a monthly payment that better matches your company’s cash flow.
To ensure a sustainable and tailored financing solution, we’ll prepare a personal offer based on your company’s financial situation and needs, taking into account the market value of the land used as collateral.
In case of interest, you can submit an application via our self-service or send an email to [email protected]. Be sure to include an overview of your existing loans.
Intended purpose
for new investments, purchasing agricultural land, financing seasonal work, refinancing existing loans, working capital, or buying essential materials.
Loan amount
starting from €100,000
Self-financing
starting from 0%
Contract length
up to 5 years
Repayment schedule
up to 20 years
Grace period
up to 6 months
Annual interest rate
starting from 5.5% + 6 moths EURIBOR
Contract fee
€0
Eligible collateral
agricultural land
Requirements for the borrower
A private limited company or public limited company registered and operating in Estonia; the company must not be subject to liquidation or bankruptcy proceedings.
Frequently asked questions
Loans from Holm Bank can be applied for by private limited companies and public limited companies that are registered and operating in Estonia and are not subject to liquidation or bankruptcy proceedings.
To apply for a loan, complete the loan application form on Holm Bank website or in the self-service. Alternatively, you can email your loan enquiry to [email protected].
To apply for a loan, please submit the following information and documents to Holm Bank:
• details of the collateral (e.g. property details or a sales listing);
• a loan application confirmed by the company’s representative;
• financial statements: the previous financial year’s balance sheet and income statement submitted to the Business Register, and current year statements (not older than two months);
• bank account statements for the past six months;
• if the loan is secured by a personal surety from the owner or a member of the management board, the guarantor’s questionnaire;
• the guarantor’s bank account statements for the past six months.
Holm Bank may request additional documents or data to evaluate the specific project and make an informed lending decision.
• details of the collateral (e.g. property details or a sales listing);
• a loan application confirmed by the company’s representative;
• financial statements: the previous financial year’s balance sheet and income statement submitted to the Business Register, and current year statements (not older than two months);
• bank account statements for the past six months;
• if the loan is secured by a personal surety from the owner or a member of the management board, the guarantor’s questionnaire;
• the guarantor’s bank account statements for the past six months.
Holm Bank may request additional documents or data to evaluate the specific project and make an informed lending decision.
Indicating the purpose of the loan helps Holm Bank assess whether the requested financing aligns with the company’s activities, financial situation and intended use. This ensures a responsible and well-informed lending decision.
In a changing economic environment or for fast-growing companies, annual statements may not reflect the current financial position. For this reason, Holm Bank requires financial statements for the current financial year, no older than two months, to provide an up-to-date view of the company’s situation.
Depending on the nature of the transaction and the risk assessment, Holm Bank accepts the following types of collateral:
• a mortgage on real estate owned by the company or a related party;
• a personal surety from the company’s owner or board member;
• a guarantee from a legal entity with economic ties to the company;
• a guarantee from the Estonian Business and Innovation Agency (EIS) or the Rural Development Foundation (MES).
• a mortgage on real estate owned by the company or a related party;
• a personal surety from the company’s owner or board member;
• a guarantee from a legal entity with economic ties to the company;
• a guarantee from the Estonian Business and Innovation Agency (EIS) or the Rural Development Foundation (MES).
In general, Holm Bank does not finance start-ups. To apply for a loan, the company must have been operating for at least one financial year.
Holm Bank finances legal entities, public legal bodies, and sole proprietors that are registered and operating in Estonia. In general, Holm Bank does not finance foreign companies or their Estonian branches. The company must have been active for at least one financial year.
Under anti-money laundering and counter-terrorism financing regulations, Holm Bank is legally required to identify and verify its customers and their beneficial owners. This helps prevent financial system misuse and supports a transparent and trustworthy business environment.
The guarantor’s questionnaire allows Holm Bank to assess the guarantor’s ability to meet the obligations under the guarantee agreement, in line with responsible lending principles. The guarantor must be financially capable of covering the liabilities if needed.
The source of self-financing helps Holm Bank evaluate the legality of the funds, the company’s financial health, and its borrowing capacity. The bank needs to understand whether the funds come from the owners, are related to extended payment terms (including overdue debts), or are provided by other creditors.
The source of self-financing helps Holm Bank evaluate the legality of the funds, the company’s financial health, and its borrowing capacity. The bank needs to understand whether the funds come from the owners, are related to extended payment terms (including overdue debts), or are provided by other creditors.
Temporary liquidity issues can sometimes affect loan repayments. If this happens, it’s important to contact Holm Bank as early as possible. Early communication allows the bank to evaluate the situation and work with you to find a solution that helps avoid arrears or being listed in a payment default register.
A guarantee is a form of collateral where the guarantor agrees to take responsibility for repaying the loan if the borrower fails to do so. If repayments are missed, Holm Bank has the right to collect the outstanding amounts from the guarantor. Unless otherwise agreed, multiple guarantors are jointly liable.
A guarantor must be at least 18 years old and have sufficient financial capacity to meet the obligations under the guarantee agreement. In general, Holm Bank expects the guarantor to have a steady income and no payment defaults.
A guarantor must be at least 18 years old and have sufficient financial capacity to meet the obligations under the guarantee agreement. In general, Holm Bank expects the guarantor to have a steady income and no payment defaults.
To fulfil the due diligence obligations placed on us as a bank, we may ask you to verify your identity via video in Veriff’s environment. To verify your identity, you will need a device with an internet connection and a working camera. Please have your identity document ready and follow the step-by-step instructions shown on the screen. We will send you a personal link for identity verification to your email address.