Tag: loans

Laimonas Noreika – From FinTech to Farms: bridging the €60B loan gap for Europe’s small farms

25th March 2025 koenvanseijen Farmers First Tech, Regenerative Agriculture, Transition finance 0 Comments

A conversation with Laimonas Noreika, founder of HeavyFinance, about providing loans to farmers, bringing innovation to the traditionally stagnant agri-loan sector. Regen ag is more profitable—Laimonas has the data to prove it and is putting serious money to work to scale regen across Eastern Europe.

Some numbers: over €70M loaned to farmers and over 13,000 individual investors have invested through them. But the gap is much bigger—over €60B a year—which means we need institutional investors. Some, like the European Investment Fund, have invested through Heavy Finance. And why aren’t banks stepping in? Because small farmers don’t fit their criteria well. So, we need new fintech solutions and scale. This could be quite a standard fintech play in agriculture if it weren’t for a super clear focus on regenerative practices. Why? Because it’s more profitable and thus makes farmers better lenders.

And yes, we’re also talking about carbon credits—Laimonas is placing big bets in that space, and we explore why and how.

Maarten van Dam – How to fund the transition of the first pioneers in regenerative agriculture

16th July 2024 koenvanseijen Regenerative Agriculture, Transition finance 0 Comments

A conversation with Maarten van Dam, founder of Schevichoven Regenerative farm, about numbers when transitioning from conventional to regenerative agriculture and keeping records on inputs, prices, and machinery. Maarten is changing that and keeping a lot of records of their pioneering farm transitioning from a mono dairy farm to a diverse agroforestry system.

Remember the Dutch farming protests? What do we miss when we talk about the transition of conventional? We miss numbers numbers numbers. Many of the pioneers- rightfully so- didn’t keep good records, on inputs, prices, machinery and, of course, hours. Nobody tracks hours in agriculture. What does it cost per hectare, and what off-take do you need? With a minimum of 50K euro per hectare in the Netherlands, you can transition in about 7 years to a diverse perennial agroforestry system, only counting wholesale prices, counting all your hours, and paying a fair wage. Of course, at Schevichoven they are only in year 4, so all of that has to be proven. But what does it mean for the rest of the 50.000 farmers in the Netherlands? What are the types of regen systems they can apply? We need about 150 billion to transition them. It sounds like a lot, but is doable.