For farms, orchards and food producers
Raise money for your farm from people who believe in what you grow.
Raise money for new orchards, a vineyard, greenhouses, irrigation or a processing line. Instead of relying only on a bank loan, you can offer many investors a small share of what the project earns. You launch and run the offering on the Asset Tokenization platform, with terms that follow your crop, and our team helps you set it up and keep it running.
- Typical time to launch
- About 12 weeks, plus regulator review
- Who can invest
- Many investors, in small amounts
- Payouts
- Can follow harvests, not a monthly schedule
What this means for your farm
Farming needs money up front and pays back slowly. A new orchard can take years before its first real harvest, and banks often want land as collateral and fixed monthly repayments from the start. That does not match how a farm makes money.
With a tokenized offering, your business offers investors a share in the project, for example a share of the harvest income from new plantings, over a term that matches the life of the crop. Each share is recorded as a digital unit called a token in one investor register. Depending on the structure, payments to investors can follow the seasons and the results, not a monthly schedule. People who care about food, land and your region can take part in small amounts, from home or abroad.
It is a regulated offering, so it needs approved documents, identity checks and regular reports to investors after each harvest. The platform keeps the register, applies the rules and runs the payout calculations, and our team helps with the setup. It takes weeks of preparation, and money comes only if investors choose to invest.
What the platform does for a farm
Your investor portal. On your own website address, in your farm's brand. Investors sign up, verify their identity through integrated providers, sign the documents and pay online.
Terms that fit the crop. A long term that matches the life of the plantings, and a payout order set in advance that can put early harvest income toward repaying investors’ principal. For annual crops such as vegetables, the term and payments are set around the growing season instead. All of it is set up in the platform.
Seasonal payouts and reports. After each harvest you publish results from your console, and the platform calculates and instructs payouts to every investor under the terms and keeps the register up to date.
We run our own regulated offerings for orchards on the platform, including a 53 hectare hazelnut orchard in Serbia that raised more than €1.5 million from more than 140 investors.. See the track record.
Six steps from first call to paying investors
Typical plan for one offering in a known country. Time for the regulator's review comes on top.
- 1Week 1
Tell us about the farm
A call about your land, your crop, what the money is for and your plans for the coming seasons. Have your recent accounts and harvest records to hand.
- 2Week 1–2
Get a clear answer
Our team, including people with long orchard experience, checks the project and the rules, and gives you a written Go, Conditional Go or No-Go.
- 3Weeks 2–6
Decide what investors get
You set the offer around the crop with our help: a term that fits the plantings, how harvest income is shared and what happens in a poor season. Counsel sets up the legal side, and the terms are configured in the platform.
- 4Weeks 6–11
Your investor portal goes live
Offering documents are prepared and, where required, approved. Your investor portal goes live on your own website address, with the investor rules built into each token.
- 5Around week 12
Open the offering
You tell buyers, neighbours, food lovers and your network. Investors sign up in your portal, verify their identity and pay online. We make introductions where agreed.
- 6Every year
Report each season and pay
Report each season and pay: You publish harvest and financial results from your console. The platform calculates and instructs payouts to investors under the terms and keeps the register.
Compared with a farm loan
A general comparison. For equipment or short-term needs, a bank loan is often simpler.
| Bank loan | Offering to many investors (tokenized) | |
|---|---|---|
| What you give up | Nothing in ownership, but you take on debt. | What you choose to offer, for example a share of harvest income from the project. |
| Repayments | Usually fixed, often from before the first harvest. | Set by the terms. Can follow harvests and results instead of a monthly schedule. |
| Collateral | Usually land, buildings or machinery. | Not required in a way a bank typically requires it, depending on the structure. Investors rely on the terms, the documents and your reporting. |
| Who can invest | One bank. | Many investors, at home and abroad, in small amounts, within the rules. |
| How long it takes | Weeks to months. | About 12 weeks to launch, plus regulatory review time. |
| Paperwork and reporting | Application, then statements to the bank. | Approved documents, identity checks and regular reports to all investors, after each harvest. |
| What happens after | You repay until the loan ends. | You report each season and pay investors for the agreed term. Later rounds can reuse the platform. |
General comparison only. Actual terms depend on the lender and on the structure, which is confirmed by qualified local counsel.
Is this right for your farm?
Not sure which side you are on? The review in step two is how we find out, and No-Go is a possible answer.
A good fit if
- You have land and a clear plan for what the money will do.
- You have records of past harvests and accounts.
- Your produce or brand has buyers and people who follow you.
- You can report on the farm every season.
- You want a term that fits your crop, not a short loan.
Probably not yet if
- The project depends on land you do not yet control.
- You need the money within a few weeks.
- The amount is small enough that a farm loan or grant is simpler.
- Nobody can take on regular investor reporting.
- You are not ready to share harvest and financial results with investors.
What you need to get started
You do not need everything on day one. The feasibility review tells you what is missing.
- Proof of ownership or long-term lease of the land
- Recent accounts and records of past harvests
- A plan for the new plantings, equipment or processing
- An idea of what you would offer investors
- One person who can own investor updates
Questions farmers ask
Do I lose control of my farm?
Not if the offer is a share of harvest income or a note. The land stays yours, and the documents set out exactly what investors are entitled to and what, if anything, they can decide.
What if we don't raise the full amount?
The documents say in advance what happens, for example a minimum amount below which money goes back to investors, or a smaller first phase of planting. We plan this with you before launch.
Is this legal where I am?
Offerings like this are possible in many countries under different rules. Our own offerings were approved by the Securities Commission of the Republic of Serbia. For yours, the feasibility review checks your country, and qualified local counsel confirms the structure.
What do I owe investors?
What the terms say: the agreed share and honest reports every season. A bad harvest affects what investors receive, and the documents must explain that clearly from the start.
How is this different from crowdfunding?
Reward crowdfunding gives backers a product, such as a box of fruit. Here investors hold a regulated security with rights written in the documents. You can still offer both.
What does it cost?
It depends on the project, so we quote in writing after the one week review. The quote covers the raise and the years after it separately, so you see both before you commit. Legal counsel, audit and identity checks are paid directly to the independent firms that do them, and we do not mark them up. If your raise is small enough that a farm loan or grant would be simpler, we will tell you in the review, before you have spent anything.
Is this cryptocurrency?
No. What your investors receive is a regulated security, with rights written in the documents, not a coin. Where the law requires it, the offering has to be approved by a financial regulator before anyone pays. The token only describes how ownership is recorded. What a holding is worth depends on your harvests, not on speculation.
The farm example is hypothetical. Nothing on this page is an offer of securities or legal or investment advice. Any offering is made by your business under the rules that apply to it. Asset Tokenization provides technology and advisory services only.
Ready to raise money on your own platform?
Tell us about your project in five short steps. Within a week you'll know whether it fits, what's missing and how quickly your investor portal could go live.