The reader loyalty code gives you full access to the site from when you enter it until the following Wednesday at 9pm. Find your unique code on the back page of Irish Country Living every week.
CODE ACCEPTED
You have full access to farmersjournal.ie on this browser until 9pm next Wednesday. Thank you for buying the paper and using the code.
CODE NOT VALID
Please try again or contact us.
For assistance, call 01 4199525
or email subs@farmersjournal.ie
If would like to speak to a member of our team, please call us on 01-4199525
Reset password
Please enter your email address and we will send you a link to reset your password
If would like to speak to a member of our team, please call us on 01-4199525
Link sent to your email address
We have sent an email to your address.
Please click on the link in this email to reset
your password. If you can't find it in your inbox,
please check your spam folder. If you can't
find the email, please call us on 01-4199525.
Email address not recognised
There is no subscription associated with this email
address. To read our subscriber-only content.
please subscribe or use the reader loyalty code.
If would like to speak to a member of our team, please call us on 01-4199525
You have no more free articles this month
We hope you've enjoyed your 6 free articles. To continue reading, sign in to your account, use the code or subscribe for just €1 to get unlimited access for 30 days.
This content is available to digital subscribers and loyalty code users only. Sign in to your account, use the code or subscribe for just €1 to get unlimited access for 30 days.
This content is available to digital subscribers and loyalty code users only. Sign in to your account, use the code or subscribe for just €1 to get unlimited access for 30 days.
How one suckler family farm is moving with the times with Cultivate farm finance
Peter and Breda Keaveney run a suckler beef farm as well as a contracting business in the west of Ireland.
SPONSORED
The Keaveney family used a Cultivate loan to help make the transition to low emission slurry spreading techniques.
With years of experience they noticed that things were changing in farming, especially with their contracting business. They wanted to move with the times, so they contacted their local credit union to avail of a Cultivate loan. With their Cultivate loan, Peter and Breda invested in a new low emission slurry spreading tank with a dribble bar.
Cultivate is an initiative created by a group of 39 credit unions to provide short to medium term loan finance built specifically around the growing needs of Irish farmers. Cultivate is a farmer-friendly finance option for farmers seeking unsecured funding up to €50,000 over seven years.
The Keaveney family used a Cultivate loan to help make the transition to low emission slurry spreading techniques.
To help make their investment in their new slurry tanker a reality, Peter turned to his local credit union and applied for a Cultivate loan. The application process for Peter worked really well; in his own words “The first thing that struck me was the personal attention. We filled out the paperwork. The process was very, very short.”.
Finance from people who understand farming
Equally as important for Peter was the level of understanding and support available at his local credit union in relation to the needs of their business. It was important to him that the loan was specifically developed around the farmer’s needs. “Whether you’re buying a piece of machinery or putting down extra slurry storage or a shed or a tank or something, it’s ideally geared for farmers”. With the help of the Cultivate loan, Peter and Breda have made their farming enterprise fit for the future and they will continue to engage with relevant new technologies as they become available.
Having gone through the full process of applying and securing a Cultivate loan, Peter’s words of advice reflect a very positive experience: “Farmers are in the heart of the community, and a loan like this supports them hugely. For something that you need in your business, I’d advise you to go to your local credit union”.
Unsecured loans
As a farmer-friendly finance option, loan repayment schedules are available up to a period of seven years, with flexibility to repay at times that make sense for the individual farmer. Cultivate loans are unsecured, and there is no need to be an existing credit union member to avail of a loan. Farmers can sign up in their local participating credit union office and be eligible to apply for a Cultivate loan immediately.
Cultivate loans are used by farmers like Peter and Breda Keaveney for a wide range of investments including:
Stocking or working capital
Upgrading farm buildings and facilities
Financing fertiliser this Spring
Purchasing new or second-hand machinery
Undertaking farm improvement works such as fencing and reclamation.
Cultivate loans are offered by 39 credit unions across more than 125 locations in Ireland. A full list of participating credit unions is available at www.Cultivate-CU.ie/#map
Like farmers, credit unions are here for the long haul. If you need a flexible farmer-friendly loan, call FREEPHONE 1800 839 999, pop into your participating local credit union today or visit Cultivate-CU.ie to learn more.
Loans are subject to approval. Terms and conditions apply. If you do not meet the repayments on your loan, your account will go into arrears.
This may affect your credit rating which may limit your ability to access credit in the future. The cost of your repayments may increase. Credit unions in Ireland are regulated by the Central Bank of Ireland.
With years of experience they noticed that things were changing in farming, especially with their contracting business. They wanted to move with the times, so they contacted their local credit union to avail of a Cultivate loan. With their Cultivate loan, Peter and Breda invested in a new low emission slurry spreading tank with a dribble bar.
Cultivate is an initiative created by a group of 39 credit unions to provide short to medium term loan finance built specifically around the growing needs of Irish farmers. Cultivate is a farmer-friendly finance option for farmers seeking unsecured funding up to €50,000 over seven years.
The Keaveney family used a Cultivate loan to help make the transition to low emission slurry spreading techniques.
To help make their investment in their new slurry tanker a reality, Peter turned to his local credit union and applied for a Cultivate loan. The application process for Peter worked really well; in his own words “The first thing that struck me was the personal attention. We filled out the paperwork. The process was very, very short.”.
Finance from people who understand farming
Equally as important for Peter was the level of understanding and support available at his local credit union in relation to the needs of their business. It was important to him that the loan was specifically developed around the farmer’s needs. “Whether you’re buying a piece of machinery or putting down extra slurry storage or a shed or a tank or something, it’s ideally geared for farmers”. With the help of the Cultivate loan, Peter and Breda have made their farming enterprise fit for the future and they will continue to engage with relevant new technologies as they become available.
Having gone through the full process of applying and securing a Cultivate loan, Peter’s words of advice reflect a very positive experience: “Farmers are in the heart of the community, and a loan like this supports them hugely. For something that you need in your business, I’d advise you to go to your local credit union”.
Unsecured loans
As a farmer-friendly finance option, loan repayment schedules are available up to a period of seven years, with flexibility to repay at times that make sense for the individual farmer. Cultivate loans are unsecured, and there is no need to be an existing credit union member to avail of a loan. Farmers can sign up in their local participating credit union office and be eligible to apply for a Cultivate loan immediately.
Cultivate loans are used by farmers like Peter and Breda Keaveney for a wide range of investments including:
Stocking or working capital
Upgrading farm buildings and facilities
Financing fertiliser this Spring
Purchasing new or second-hand machinery
Undertaking farm improvement works such as fencing and reclamation.
Cultivate loans are offered by 39 credit unions across more than 125 locations in Ireland. A full list of participating credit unions is available at www.Cultivate-CU.ie/#map
Like farmers, credit unions are here for the long haul. If you need a flexible farmer-friendly loan, call FREEPHONE 1800 839 999, pop into your participating local credit union today or visit Cultivate-CU.ie to learn more.
Loans are subject to approval. Terms and conditions apply. If you do not meet the repayments on your loan, your account will go into arrears.
This may affect your credit rating which may limit your ability to access credit in the future. The cost of your repayments may increase. Credit unions in Ireland are regulated by the Central Bank of Ireland.
Aisling Meehan advises a reader who is having an issue with her son and his partner – they live rent-free in her original family house and she wants them to rent or buy.
Financial barriers are among the main reasons preventing consumers from retrofitting homes, we break down the different funding options available, writes Sarah McIntosh.
The winter looks like it may be coming to an end, but the long shadow cast by the last 18 months means farmers need financial backing. So how about a low-interest loan fund for smaller farmers?
Meet Hillary Courtney, a part-time beef farmer, who, like many farmers throughout Ireland, was looking at ways to improve her farm, but was hampered by access to farmer-friendly finance.
Save to a collection
Recent collections
This article has already been saved
This article has been saved
Create a collection
Subscriber only
This content is available to digital subscribers only. Sign in to your account or subscribe for just €1 to get unlimited access for 30 days.SIGN INSUBSCRIBE FOR €1