Ūkio paskola

Ūkio paskola skirta žemės ir technikos įsigijimui, apyvartiniam kapitalui padidinti, kitiems ūkio plėtros poreikiams. Paskolos sąlygos priklauso nuo ūkio kreditingumo, paskolai užtikrinti įkeičiamo turto, paskolos grąžinimo laikotarpio ir kitų kriterijų.

LT0003296

Tikslas
15,000 €
Surinkta
15,000 €
100%
Palūkanų dydis
13%
Reitingas
B
Periodas
11
Liko laiko
LTV
-
Šalis
Lietuva
Paskolos tikslas
Apyvartinio kapitalo padidinimui
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas
Adresas
Ūxxxxxxxx (-ė) Xęxxxxxx Xxxxx
Xxxėxxx x. xxx., Xxxxxxxxxų xxx., Xxxxxžxxx, Xxxxxx x. 78
header_1
Deklaruotas plotas
Nuosavas plotas
Dirbama žemė178.37 ha14.00 ha
20242023
Pajamos 204,885.00 € 182,334.00 €
Grynasis pelnas 103,787.00 € 106,439.00 €
Nuosavo kapitalo santykis 66.25% -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
Farm Overview
The farmer began his agricultural activities in the Varėna district in 2009 after inheriting a 3-hectare family farm. Over more than 15 years, the farm has been steadily developed, and the total managed land area currently amounts to approximately 200 hectares. The farm operates as a mixed farm, keeping around 25 beef cattle and cultivating cereal crops. Crop production accounts for approximately 90% of the farm’s activities, while livestock farming represents about 10%.
Due to the relatively low soil fertility in the Dzūkija region, the main crops grown are rye, oats, buckwheat, and, in some areas, triticale.

Additional Activities and Income Diversification
Agriculture is not the farmer’s only source of income. He is also engaged in forestry activities and operates as a sole proprietor providing services such as logging, tree planting, pruning, and fuel preparation. This diversification helps ensure more stable cash flows and reduces exposure to seasonal risks.

Machinery and Workforce
The farm employs four permanent workers. During the agricultural season, they work on the farm, while in the off-season they are engaged in forestry activities, allowing the farm to retain its workforce year-round. According to the farmer, the employees’ qualifications are sufficient for both agricultural and forestry operations, particularly in operating machinery.
The machinery fleet includes:
  • one new tractor,
  • one older Belarus tractor,
  • two combine harvesters,
  • a full set of cultivation equipment (ploughs, harrows, seed drills, rollers, spreaders, trailers, and others).
The same machinery is also used in forestry operations. Last year, the farmer acquired a wood chipper, which is used to produce wood chips that are loaded into containers and sold on foreign markets, including Germany, Belgium, the Netherlands, and France.

Purpose of the Loan
The farmer is currently applying to InSoil for a working capital loan, which will be used to settle payments with suppliers and ensure smooth operational continuity.
It should be noted that this is not the farmer’s first project on the InSoil platform. Two previous loan agreements were concluded and fully repaid on time.

Summary
This project is characterized by:
  • long-term farming experience and consistent farm development,
  • diversified income streams (crop production, livestock farming, and forestry),
  • a strong material base and well-developed machinery fleet,
  • a stable and experienced workforce,
  • a positive track record with previous InSoil loans.
This represents a sustainable and reliable investment opportunity, offering investors the chance to support a well-managed mixed farm with stable operations and growth potential.

Projekto rizika

Šitam projektui, kyla rizika prarasti visą gautą pelną ir investuotas lėšas.

Tokiu atveju, Projekto savininkui neįvykdžius savo įsipareigojimų, Platformos operatorius imsis visų būtinų priemonių investuotojų interesams apsaugoti ir panaudos pateiktą užstatą, tačiau Platformos valdytojas negarantuoja visiško Projekto savininko įsipareigojimų įvykdymo.

Finansinėms sutartims netaikoma Lietuvos Respublikos indėlių ir įsipareigojimų investuotojams draudimo įstatymo nustatyta draudimo apsauga.

Papildoma informacija:

Projekto savininkui nesurinkus finansuotinų sumų, surinktos lėšos grąžinamos rėmėjams pervedant jas į sąskaitą, iš kurios buvo pervestos. Platformos operatorius taip pat turi teisę pasiūlyti Projekto savininkui per Projekto finansavimo terminą sumažinti finansuojamą sumą arba pratęsti Projekto finansavimo terminą. Tokiu atveju, sumažinus finansuojamą sumą arba pratęsus Projekto finansavimo terminą, visais atvejais apie tai pranešama Platformoje ir informuojami Fondo finansuotojai.