Gårdskapital is a niched asset management business specializing in agricultural private credit. Due to declining risk appetite among banks, coupled with an increasing set of attractive investment opportunities in the agricultural sector, there is a strong case for Gårdskapital to scale up and become the market leading direct lender for Nordic agriculture.
In addition to the core lending business Gårdskapital also offers farmers the opportunity to monetize additional carbon sequestration through a carbon program, in partnership with eAgronom.
On this page we provide an overview for prospective investors and invite you to reach out for further information.
Our Mission in Brief
Gårdskapital was founded to accelerate the switch to a more sustainable and profitable agricultural sector by;
1) Improving the access to capital for agri-businesses,
2) and enabling more types of investors than just banks to access investment opportunities in the agricultural sector.
Our Competitive Advantages
Local Knowledge
Deep understanding of the agricultural market, its risks, and opportunities. This enables us to find unique opportunities with attractive risk-return profiles
Strong Risk Management
We combine proprietary risk models with oversight from an experienced credit committee and have not had any credit losses since our inception in 2021
Sustainable Finance Expertise
The food system plays a crucial role in the economy's green transition, and we are uniquely positioned to help investors participate in this opportunity
Current Investment Round
Target Amount | Investment Type | Status | Valuation | Use-of-funds |
+10M SEK | Common equity in Gårdskapital Holding AB. | Ongoing. Targeted close in Dec 2025 with first close in Nov. DD completed by lead investor who has signed for 2M SEK. | 45M SEK pre-money. Discounts possible for larger tickets signed before Dec 12th. | 70% as capital base for on-lending.
30% for continued development of business processes. |
+20M SEK | Senior revolving credit line to Gårdskapital Originator AB (SPV). | Late stage negotiations of up to 40M SEK. Targeted close in Nov 2025. | N/A | For on-lending. |
0,5M SEK | Grant | Grant of 0,5M SEK awarded by Vinnova (the Swedish Innovation Agency) | N/A | To support continued product development |
Purposes of the Investment Round
Scaling up our capital base to meet the demand from current and future loan applicants
- Equity (capital base) that unlocks access to leverage (credit line)
Building additional track record ahead of launching the upcoming credit fund
- Growing the loan volumes
- Strengthening farmer relationships
Scaling up the organization to meet the demand from new farmers and to prepare for scaling up further after launching the next credit fund
- Enhancing digital platform and underwriting models
Why Invest in Gårdskapital´s Equity?
Early mover in the Nordics within a global trend for private credit solutions in agriculture
Significant traction achieved since 2021 with a bootstrapped approach
Strong foundation and roadmap in place to scale up and become profitable
“Gårdskapital is building the leading financing platform for a large multi-billion-SEK annual agricultural credit market, long underserved by traditional players. Deep expertise in agriculture, finance, and data-driven analysis creates scalable competitive strength. Rarely do business opportunity and societal need align this clearly.”
— Johan S. Roos, investor, professor, and agronomist (lead investor in Gårdskapital’s ongoing round)
Why Invest in Gårdskapital´s Credit Line?
Supporting a local and sustainable food system
- Increased climate resilience
- Investment thesis focused on investments that improve both farmer profitability and sustainability
Low correlation to other asset classes
- Real assets and cashflow profile with low to negative correlation to other asset classes
Diversification for a balanced portfolio
- Competitive risk-adjusted returns
- Stable sector with long term business owners
Read our Pitch Deck for More Information
Links to pitch decks:
Links to complementary presentations:
Examples of Additional Resources that can be Provided
Examples of Key Due Diligence Materials Available Upon Signing NDA
- Financial goals and forecasts
- Details about the current loan book and pipeline
- Contracts and other legal documentation
- Cap table
Note: Please reach out to Head of IR Johanna Holmström at johanna@gardskapital.se for access to view restricted documents
Media Articles
Here you can read more about Gårdskapital in the press
Read More on Our Websites
Our Websites:
Farmer focused main website: gardskapital.se
Financing platform: finans.gardskapital.se/en