France ยท Agricultural technology
A grower moving into controlled environment production needed specialist harvesting equipment fast, without draining the cash set aside for its next planting cycle.
The business had proven a new growing method across two seasons and wanted to scale before a competitor copied the approach. The equipment needed to place the order was specialised, imported, and required a deposit within three weeks.
Its bank offered a term loan but wanted a full annual review first, which would have missed the supplier's production slot for the season.
We approached three asset finance houses with agricultural experience, using the supplier's own performance data and the company's two seasons of trading history as the core of the case.
One lender queried the equipment's resale value outside the sector. We addressed this with a shorter term and a modest balloon payment, which brought the monthly cost back in line with the company's cash flow model.
A EUR 2.5m hire purchase facility completed inside six weeks, in time to secure the supplier's production slot.
The equipment was delivered ahead of the new season and the company retained its cash reserves for planting and labour costs.
Details are anonymised. Figures are rounded and identifying information is removed or altered to protect client confidentiality. Past transactions are not a guarantee of future outcomes.
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