This is the objective of a series of articles that we are going to publish : Allow each candidate to realise his or her agricultural project, viticultural project or equestrian project.
For the past 30 years, land prices have been rising steadily. At the same time, the size of businesses has increased and with it the value of the assets of these businesses. As a result, the value of properties to be taken over in a transfer continues to rise.
At the same time, we note that the banks, faced with an increase in the level of risk, have rather tightened the criteria for granting financing. And if there are many candidates, their financial capacity is the same as it was 30 years ago: the majority of them have very little self-financing.
Finally, as far as the transfer of ownership is concerned, the baby-boom has become the papy-boom: a large number of active farmers will cease their activity in the years to come. The renewal of generations is therefore a major challenge for maintaining a strong rural fabric.
Faced with this scissor effect (increase in the number of businesses to be taken over, tightening of bank financing), it is necessary to broaden the financing tools to encourage a high replacement rate.
Numerous initiatives have been launched in recent years by institutions, entrepreneurs, start-ups, etc.
Bank financing must and will remain the number one financing solution. But these new tools will allow you to diversify and balance your financing plan and to carry out your project.
We therefore set ourselves a challenge: to present as exhaustively as possible the financing solutions available to project leaders in rural areas.
Whether you want to create a farm, take over a vineyard, develop an equestrian project, ... you will find in these articles a presentation of these new financing solutions.
We will publish these presentations on our blog and also on social networks with the aim of devoting an article to each solution.
Finally, as these tools are very diverse, we will divide them into categories:
