For Farmers

Farmer is planning, Swedbank is financing

Leasing of new agricultural equipment 1,49% + 6-month Euribor.
Loan agreement fee –50%, minimum 100 €.
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.

Apply for a loan

Apply for leasing

Offers are valid until 31.10.2026

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 AS

1Partner Kinnisvara
Area: whole Estonia
Property type: residential and commercial property
www.1partner.ee

Lahe Kinnisvara

Area: whole Estonia
Property type: residential property
www.lahekinnisvara.ee

Arco Vara Kinnisvarabüroo OÜ

Area: whole Estonia
Property type: residential and commercial property
www.arcovara.ee

LVM Kinnisvara Tallinn OÜ

Area: whole Estonia
Property type: residential and commercial property
www.lvm.ee/

Colliers International Advisors OÜ

Area: whole Estonia
Property type: residential and commercial property
www.colliers.ee

Ober-Haus Real Estate Advisors AS

Area: whole Estonia
Property type: residential and commercial property
www.ober-haus.ee

Domus Kinnisvara Vahendus OÜ

Area: whole Estonia
Property type: residential and commercial property
www.domuskinnisvara.ee

Pindi Kinnisvara OÜ

Area: whole Estonia
Property type: residential and commercial property
www.pindi.ee

Eri Kinnisvara OÜ

Area: whole Estonia
Property type: residential and commercial property
www.eri.ee

RE Kinnisvara AS

Area: Harjumaa, Raplamaa
Property type: residential and commercial property
www.re.ee

Kaanon Kinnisvarabüroo OÜ

Area: whole Estonia
Property type: residential and commercial property
www.kaanon.ee

Uus Maa Kinnisvarabüroo OÜ

Area: whole Estonia
Property type: residential and commercial property
www.uusmaa.ee

Kinnisvaraekspert OÜ

Area: whole Estonia
Property type: residential and commercial property
www.kinnisvaraekspert.ee

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% + 3-month or 6-month Euribor until 31.10.2026 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

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.

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.

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.

Receive a consultation

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

Business Credit Card

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

For Farmers