For Farmers

Farmer is planning, Swedbank is financing

Special offer! Leasing of new agricultural equipment 1,49% + 6-month Euribor until 31.05
Professional sectoral approach.
Apply or sign up for individual consultation at a time that suits you best.
More favorable conditions for financing with the sustainable farming certificate.

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

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.

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%.

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.

Fill out the application in the Internet bank. We will contact you within two business days.
If property collateral is needed, we will require a valuation report from a real estate agency accepted by the bank.
Sign the agreement digitally.
If necessary register the collateral and procure insurance.
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.

Real Estate Evaluators accepted by Swedbank to value commercial and residential properties

Real estate company	Address	Phone
1Partner Kinnisvara Area: whole Estonia Property type: residential and commercial property www.1partner.ee	Rävala pst 3, Tallinn 1partner@1partner.ee Soola tn 2, Tartu tartu@1partner.ee	66 84 700 50 46 190 73 66 006
Arco Vara Kinnisvarabüroo OÜ offices Area: whole Estonia Property type: residential and commercial property www.arcovara.ee	Tallinna office Rävala pst 5, Tallinn tallinn@arcovara.ee	614 4600
	Tartu office Soola 8, Tartu tartu@arcovara.ee	744 2218
	Pärnu office Rüütli 47, Pärnu parnu@arcovara.ee	447 1430
	Viljandi office Lossi 18, Viljandi viljandi@arcovara.ee	435 9969
	Rakvere office Turuplats 7, Rakvere viru@arcovara.ee	324 0888
	Narva office P. Kerese 2, Narva narva@arcovara.ee	357 7227
	Jõhvi office Rakvere 16, Jõhvi johvi@arcovara.ee	337 0400
Arco Vara Kinnisvarabüroo OÜ representatives	Saaremaa representative Diana.Nomme@arcovara.ee	514 1045
	Hiiumaa representative Diana.Nomme@arcovara.ee	514 1045
	Haapsalu representative haapsalu@arcovara.ee	555 222 55
	Otepää representative Kerli.Koha@arcovara.ee	565 076 37
	Valga representative Kerli.Koha@arcovara.ee	565 076 37
	Jõgeva representative Kerli.Koha@arcovara.ee	565 076 37
	Võru representative Kerli.Koha@arcovara.ee	565 076 37
	Põlva representative Kerli.Koha@arcovara.ee	565 076 37
	Järvamaa representative paide@arcovara.ee	512 4236
Colliers International Advisors OÜ Area: whole Estonia Property type: commercial property www.colliers.ee	Valukoja tn 8, Tallinn Colliers.Estonia@colliers.com	616 0777
Domus Kinnisvara Vahendus OÜ Area: whole Estonia Property type: residential and commercial property www.domuskinnisvara.ee	Pärnu mnt 130, Tallinn info@domuskinnisvara.ee	646 4035
	Riia 4, Tartu tartu@domuskinnisvara.ee	742 3100
	Pikk tn 12, Pärnu parnu@domuskinnisvara.ee	443 1154
	Fama tn 10/2, Narva narva@domuskinnisvara.ee	356 6411
	Tallinna tn 6, Viljandi viljandi@domuskinnisvara.ee	433 4411
	Kauba tn 5, Kuressaare kuressaare@domuskinnisvara.ee	453 6433
Eri Kinnisvara OÜ Area: whole Estonia Property type: residential and commercial property www.eri.ee	Tartu mnt. 16, Tallinn hindajad@eri.ee	606 0077
Kaanon Kinnisvarabüroo OÜ Area: whole Estonia Property type: residential and commercial property www.kaanon.ee	Tallinna office Tartu mnt 80, Tallinn tallinn@kaanon.ee	665 9585
	Tartu office Riia 24, Tartu tartu@kaanon.ee	735 0850
Kinnisvaraekspert OÜ Kinnisvaraekspert Pärnu OÜ Area: whole Estonia Property type: residential and commercial property	Kinnisvaraekspert OÜ Pärnu mnt 82, Tallinn tallinn@kinnisvaraekspert.ee	626 4250
	Kinnisvaraekspert Pärnu OÜ Pikk tn 12, Pärnu parnu@kinnisvaraekspert.ee	442 0700
Lahe Kinnisvara Area: whole Estonia Property type: residential property www.lahekinnisvara.ee	Tallinna office Peterburi tee 2f, Tallinn tallinn@lahekinnisvara.ee	608 0530
	Tartu office Lai tn 39, Tartu tartu@lahekinnisvara.ee	5622 2313
	Viljandi office Tallinna 19/21, Viljandi viljandi@lahekinnisvara.ee	512 4565
	Pärnu office Malmö 23, Pärnu parnu@lahekinnisvara.ee	5645 8687
LVM Kinnisvara OÜ Area: whole Estonia Property type: residential and commercial property www.lvm.ee	Keskväljak 1, Pärnu parnu@lvm.ee	4 477 000 56 56 8000
	Tallinna 16, Kuressaare kuressaare@lvm.ee	452 6044
	Pärnu mnt 29, Tallinn tallinn@lvm.ee	68 43 700 5694 1700
	Ülikooli 6a, Tartu tartu@lvm.ee	710 2000
Newsec Valuations EE OÜ Area: whole Estonia Property type: commercial property www.newsec.ee	Pärnu mnt 12, Tallinn info@newsec.ee	5346 8308
Ober-Haus Hindamisteenuste OÜ Area: whole Estonia Property type: residential and commercial property www.ober-haus.ee	Narva mnt 53, Tallinn info@ober-haus.ee	6 659 700
	Narva mnt 27A, Tartu tartu@ober-haus.ee	7446 500
	Keskväljak 4, Jõhvi johvi@ober-haus.ee	33 70 768
Pindi Kinnisvara OÜ offices Area: whole Estonia Property type: residential and commercial property www.pindi.ee	Tallinna office Tartu mnt. 16, Tallinn tallinn@pindi.ee	610 3900 512 0280
	Rapla office Tallinna mnt 12, Rapla rapla@pindi.ee	482 1408
	Tartu office Kaluri 2, Tartu tartu@pindi.ee	744 1116
	Pärnu office Aida tn 5, Pärnu parnu@pindi.ee	447 1075 521 4985
	Narva office Puškini 10, Narva narva@pindi.ee	357 5115
	Rakvere office Turu plats 3, Rakvere rakvere@pindi.ee	327 7100
	Kuressaare office Tallinna 16, Kuressaare kuressaare@pindi.ee	452 9500
	Paide office Pärnu tn 6, Paide paide@pindi.ee	384 6015
	Valga office Vabaduse 26, Valga valga@pindi.ee	610 3903
	Viljandi office Tartu tn 11/Lossi 29, Viljandi viljandi@pindi.ee	433 0111
	Haapsalu office Tallinna mnt 1, Haapsalu haapsalu@pindi.ee	472 0830
	Jõhvi office Keskväljak 4, Jõhvi johvi@pindi.ee	332 7676
	Võru office Kooli 6, Võru voru@pindi.ee	786 0936
Pindi Kinnisvara OÜ representatives	Põlva representative Sander Valdas sander.valdas@pindi.ee	514 9289
	Türi representative Maire-Anu-Liis Oidsalu maire.oidsalu@pindi.ee	5667 9221
	Kärdla representative Anti Suu anti.suu@pindi.ee	504 2164
	Tapa representative Anu Veldre anu.veldre@pindi.ee	501 3658
	Jõgevamaa representative Ege-Grete Engbusk ege-grete.engbusk@pindi.ee	5551 5382
RE Kinnisvara AS Area: Harju- ja Raplamaa Property type: residential and commercial property www.re.ee	Telliskivi 60/2, Tallinn info@re.ee	6 688 666
Uus Maa Kinnisvarabüroo OÜ Area: whole Estonia Property type: residential and commercial property www.uusmaa.ee	Maakri 19/1, Tallinn uusmaa@uusmaa.ee	627 2600
	Ülikooli 2, Tartu tartu@uusmaa.ee	744 1144
	Akadeemia tee 7, Pärnu parnu@uusmaa.ee	442 0380
	Turu plats 5, Rakvere rakvere@uusmaa.ee	322 3601
	Rakvere 17, Jõhvi johvi@uusmaa.ee	337 9750
	Pargi 16, Kuressaare kuressaare@uusmaa.ee	520 4955
	Lossi 22, Viljandi viljandi@uusmaa.ee	435 1361
	Jõgeva representative jogeva@uusmaa.ee	58 14 5068
	Haapsalu representative haapsalu@uusmaa.ee	56 241 810
	Võru representative voru@uusmaa.ee	53 73 0096

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.

The certificate is an opportunity to obtain a loan on more favourable terms

Machinery leasing 1.49% + 6-month Euribor 1,19% + 6-month Euribor until 31.05.2024 1.49% + 6-month Euribor
Working capital - loan interest rate is reduced by 0.3%
For infrastructure development Including for production of renewable energy for self-consumption of the farm - loan interest rate is reduced by 0.3%
Land purchase loan - loan interest rate is reduced by 0.3% and the repayment period can be up to 30 years

To qualify for the certificate, the farm needs to meet the following conditions on a day-to-day basis.

Farm’s GHG* assessment

Where energy emissions (including fuel) represent more than 20% of total emissions from non-perennial crop production activity, these emissions must be in a 10% reduction trajectory from a 5-year perspective.

Crop rotation and soil coverage

At least 5-year crop rotation, including 1 year of legume (pea, bean, etc.). Multi-species cover crop counts as one crop.
At least 75% of living plant coverage index. This means that on average, fields should have crops growing at least 9 months of the year. Winter crops and cover crops can be used to achieve this crop coverage.
Residue should be left on the field or replaced respectively with manure to avoid nutrient loss.

Soil management

Prevent soil compaction by avoiding traffic on wet fields. This means doing field operations on time, before or after excessive humidity periods (standing water on the field).
Peatlands may not be cultivated to avoid loss of soil’s organic carbon. Such wetlands should be kept as is, or turned into grasslands.
Maintain permanent grassland. A land that has been grassland for 5 or more consecutive years should remain as such.

Nutrient management and plant protection

Precision fertilization is used for mineral nitrogen application, taking into account soil analyzes, yield maps, and other field-specific information.
Manure is incorporated into the soil via injection (slurry) or within 1h (manure).
No increases in quantities of plant protection products used (either in total, or per crop type per unit area) compared to an annual baseline average determined over a rolling 5 year baseline period.

Learn more

The farm applies for the certificate in the official partner’s system.
Partner carries out an inspection of the farm and the farm receives the certificate. In case of failure to meet the criteria - an assessment about the necessary improvements.
If the improvements are made - the certificate is issued at the end of the season.
Once the certificate is received, it can be submitted at the bank to get more favourable terms of financing. For additional loan obligations, the farm undertakes to comply with the certificate requirements over the entire loan period*.

* If the sustainable farming certificate is not submitted at the end of every farming season, the bank will raise the price of the respective loan by 0.3% or, in case of leasing, by 1%.

Book a consultation

Find out more about the certification process

documentSustainable farming Terms and Conditions

To find out which financing option would work best for your company, sign up for a consultation!

Business Credit Card - extra funds that can also be used for paying bills.