{"id":69608,"date":"2026-09-16T10:43:27","date_gmt":"2026-09-16T08:43:27","guid":{"rendered":"https:\/\/www.altum.lv\/services\/rural-enterprises\/farmer-loan-refinancing-loan\/"},"modified":"2026-10-15T11:56:49","modified_gmt":"2026-10-15T09:56:49","slug":"refinancing-loan-for-farmers","status":"publish","type":"page","link":"https:\/\/www.altum.lv\/en\/services\/rural-enterprises\/refinancing-loan-for-farmers\/","title":{"rendered":"Refinancing loan for farmers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"69608\" class=\"elementor elementor-69608 elementor-68946\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-a289e4f elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"a289e4f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f9446b5\" data-id=\"f9446b5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-be53878 elementor-widget elementor-widget-altum-tab-header2\" data-id=\"be53878\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-tab-header2.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <section class=\"topBanner topBanner-topicFamily topBanner-pb-0\"  style=\"background-image: url(https:\/\/www.altum.lv\/wp-content\/uploads\/2026\/09\/ML-header-5-scaled.png)\">\n                <div class=\"container\">\n\t\t\t\t<div class=\"topBanner__breadcrumbs\"><a href=\"https:\/\/www.altum.lv\" class=\"topBannerBreadcrumb__link\">Altum<\/a><span class=\"topBannerBreadcrumb__indent\">-<\/span><\/div>\n                    <h1 class=\"topBanner__title topBanner__title-md\">\n                        Refinancing Loans for Farmers\n                    <\/h1>\n                    <p class=\"topBanner__text\">\n                    \n                    <\/p>\n                    <div class=\"mobileScroll\">\n                        <div class=\"famWithChildTop__btnWrap famWithChildTop__topBanner\">\n                            \n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/section>\n\t\t\n            <section>\n                <div class=\"container\">\n                    <div class=\"famWithChild__bottom\">\n                        <div class=\"container altum__headerTab-content\">\n\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/section>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section headerTab elementor-element elementor-element-56111b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"56111b6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-042148d\" data-id=\"042148d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f7a4a41 elementor-widget elementor-widget-text-editor\" data-id=\"f7a4a41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The ALTUM refinancing loan is intended for primary agricultural producers experiencing difficulties in meeting existing credit obligations and requiring support to restore the financial stability of their farm. The loan is available only to economically viable farms.<\/p>\n<p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6caa66 elementor-widget elementor-widget-text-editor\" data-id=\"d6caa66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Who can apply?<\/h2>\n<p>\u00a0<\/p>\n<div>\n<ul>\n<li>Primary agricultural producers that derive at least 80% of their income from primary agricultural production;<\/li>\n<li>Businesses facing difficulties in servicing existing loan obligations;<\/li>\n<li>Farms that can demonstrate long-term viability and an ability to restore financial stability after refinancing.<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<div>\n<ul>\n<li>To be eligible for a refinancing loan, the company&#8217;s financial indicators, based on the financial statements for the most recently completed tax year, must meet all of the following criteria:\n<ul>\n<li>EBITDA is negative, or the net debt-to-EBITDA ratio exceeds 5;<\/li>\n<li>Debt Service Coverage Ratio (DSCR) is below 1.1;<\/li>\n<li>Equity is at least 10% of total assets.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul>\n<li>Following the refinancing of the loans, the company must achieve the following indicators:\n<ul>\n<li>Debt Service Coverage Ratio (DSCR) of at least 1.2;<\/li>\n<li>Adjusted equity ratio of at least 10%;<\/li>\n<li>Projected net debt-to-EBITDA ratio not exceeding 7.5.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca265c2 elementor-widget elementor-widget-text-editor\" data-id=\"ca265c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"famWithChildBottom__h2\" tabindex=\"0\">Financing Terms<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19f51c2 elementor-widget__width-initial elementor-widget elementor-widget-altum-tab-block-icon-with-text\" data-id=\"19f51c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-tab-block-icon-with-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"famWithChildBottomContent__wrap\"><div class=\"famWithChildBottomContent__row\">\n                    <div class=\"famWithChildBottomContentRow__elem\">\n                        <div class=\"famWithChildBottomContentRow__elem-imgWrap\">\n                            <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/varpa.png\" alt=\"icon\">\n                        <\/div>\n                        <p class=\"famWithChildBottomContentRow__elem-text\">\n                            Minimum loan amount: 100 000 EUR\n                        <\/p>\n                    <\/div>\n                \n                    <div class=\"famWithChildBottomContentRow__elem\">\n                        <div class=\"famWithChildBottomContentRow__elem-imgWrap\">\n                            <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/nauda.png\" alt=\"icon\">\n                        <\/div>\n                        <p class=\"famWithChildBottomContentRow__elem-text\">\n                            Maximum loan amount: 1 500 000 EUR but not exceeding the outstanding balance of the refinanced liabilities\n                        <\/p>\n                    <\/div>\n                <\/div><div class=\"famWithChildBottomContent__row\">\n                    <div class=\"famWithChildBottomContentRow__elem\">\n                        <div class=\"famWithChildBottomContentRow__elem-imgWrap\">\n                            <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/aizdevums.png\" alt=\"icon\">\n                        <\/div>\n                        <p class=\"famWithChildBottomContentRow__elem-text\">\n                            Loan maturity: up to 15 years, taking into account the collateral structure\n                        <\/p>\n                    <\/div>\n                \n                    <div class=\"famWithChildBottomContentRow__elem\">\n                        <div class=\"famWithChildBottomContentRow__elem-imgWrap\">\n                            <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/latvija.png\" alt=\"icon\">\n                        <\/div>\n                        <p class=\"famWithChildBottomContentRow__elem-text\">\n                            Eligible area: all rural areas of Latvia (excluding 10 largest cities)\n                        <\/p>\n                    <\/div>\n                <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c0fa21 elementor-widget elementor-widget-text-editor\" data-id=\"0c0fa21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>\u00a0<\/h2>\n<p>\u00a0<\/p>\n<h2><strong>What can be refinanced?<\/strong><\/h2>\n<ul>\n<li>One or several loans from other lenders;<\/li>\n<li>Outstanding principal, accrued interest, penalty interest and other liabilities related to the refinanced loan;<\/li>\n<li>Loans from multiple lenders can be consolidated into a single ALTUM loan.<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<div>\n<h2><strong>Important conditions:<\/strong><\/h2>\n<p>\u00a0<\/p>\n<ul>\n<li>New liabilities or new investments cannot be included in the refinancing loan.<\/li>\n<li>The support can be received only once.<\/li>\n<li>Only loans originally used for primary agricultural production are eligible for refinancing.<\/li>\n<li>The loan is granted as <strong>de minimis aid<\/strong> subject to the available de minimis balance.<\/li>\n<\/ul>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9dc6ff elementor-widget elementor-widget-spacer\" data-id=\"d9dc6ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef270e3 elementor-widget elementor-widget-altum-button\" data-id=\"ef270e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"altum__btnBlock altum__btncblock\"><a class=\"altum__btn-lb\" href=\"https:\/\/mans.altum.lv\/\" target=\"_blank\">APPLY FOR A LOAN<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d627bc4 elementor-widget elementor-widget-altum-consultation-form\" data-id=\"d627bc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-consultation-form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <section class=\"consultation consultation1\">\n                <div class=\"container\">\n                    <form action=\"\/\" method=\"POST\" class=\"altum__consultationForm\">\n                        <div class=\"consultation__wrap\">\n\t\t\t\t\t\t\t\n                            <h3 class=\"consultation__h3\">Apply for consultation<\/h3>\n\t\t\t\t\t\t\t<input type=\"hidden\" class=\"consultation__emailTitle\" value=\"\">\n                            <div class=\"consultation__row\">\n\t\t\t\t\t<div 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tabindex=\"0\">PIETEIKTIES V\u0112LREIZ<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\n                        <\/div>\n                        <input type=\"hidden\" name=\"google_response\" value=\"\" class=\"googleResponse\">\n\t\t\t\t\t\t<input type=\"hidden\" name=\"receiver\" value=\"vFDVTXsg+R777Y57s+DncRMK3CJOKKnmg5Ot52Tby77bLLYA4V5i2SEXOJfB1v0=\">\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_mail\" value=\"\">\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_c\" value=\"4hgzGXJ2sLpTuZlM0pjSOPQSCQZnuBiYA1GmulgEOlVHcNbw2qMn9lo35Ys7qg1auuFxDEMkrQobbYQBYaCkfFgC\">\n                    <\/form>\n                <\/div>\n            <\/section>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d83182 elementor-widget elementor-widget-text-editor\" data-id=\"0d83182\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-size: 14px;\">Support under the programme is provided as de minimis aid in accordance with Commission Regulation (EU) No 1408\/2013 of 18 December 2013 on the application of Articles 107 and 108 of the Treaty on the Functioning of the European Union to de minimis aid in the agricultural sector.<\/span><\/p>\n<div>\n<p>\u00a0<\/p>\n<p><span style=\"font-size: 14px;\">The programme is implemented in accordance with Cabinet Regulation No. 505 of 25 August 2026 <\/span><a style=\"font-size: 14px;\" href=\"https:\/\/likumi.lv\/ta\/id\/370491-aizdevuma-pieskirsanas-kartiba-primaras-lauksaimniecibas-produkcijas-razotajiem-kreditsaistibu-refinansesanai?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">\u201cAizdevuma pie\u0161\u0137ir\u0161anas k\u0101rt\u012bba prim\u0101r\u0101s lauksaimniec\u012bbas produkcijas ra\u017eot\u0101jiem kred\u012btsaist\u012bbu refinans\u0113\u0161anai\u201d.<\/a><\/p>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Lorem Ipsum \u2013 tas ir teksta salikums, kuru izmanto poligr\u0101fij\u0101<br \/>\nun maket\u0113\u0161anas darbos. Lorem Ipsum ir k\u013cuvis par<br \/>\nvisp\u0101rpie\u0146emtu teksta aizvietot\u0101ju kop\u0161 16. gadsimta s\u0101kuma.<\/p>\n","protected":false},"author":89,"featured_media":0,"parent":10875,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-69608","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinancing loan for farmers - Altum<\/title>\n<meta name=\"description\" content=\"Aizdevumi saimniecisk\u0101s darb\u012bbas veic\u0113jam \u2013 lauksaimniekiem, zivsaimniekiem, akvakult\u016bras ra\u017eot\u0101jiem, kooperat\u012bviem, aug\u013cu un d\u0101rze\u0146u ra\u017eot\u0101ju grup\u0101m\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.altum.lv\/en\/services\/rural-enterprises\/refinancing-loan-for-farmers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refinancing loan for farmers - 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