Agriculture loan

Agriculture loans are tailored to acquire capital for various purposes such as expansion, inventory purchase, equipment acquisition, hiring staff, or to manage day-to-day operational expenses. The terms and conditions of these loans vary depending borrower's creditworthiness, collateral, repayment tenure and other factors.

LT0003313

Goal
37,500 €
Raised
37,500 €
100%
Return rate
12%
Rating
A
Period
35
Time left
LTV
90%
Country
Lietuva
Loan purpose
Apyvartinio kapitalo padidinimui
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxxxx Xxxxxxxxxxx
Xxxxxxėx x. xxx., Xxxxxxxx xxx., Xxxxxxx, Xxšxxxų x. 17,
header_1
Declared
Owned
Farming land180.68 ha29.86 ha
20242023
Revenue 195,125.00 € 257,853.00 €
Net profit 65,687.00 € 62,558.00 €
Equity ratio -16.27% -
Project description
Documents
Payment schedule
🧑‍🌾 FARM OVERVIEW The crop farm was established in 2013 in the Ukmergė district. The farm cultivates a variety of cereal crops, including oats, wheat, buckwheat, peas, and others. The total arable land area under cultivation amounts to 180.68 hectares, of which 29.86 hectares are owned by the farmer. The remaining land is farmed under lease agreements. The farmer applies direct seeding (no-till) technology, which helps reduce production costs, preserve soil quality, and ensure sustainable long-term farming operations. 🚜 TECHNICAL BASE The farm is equipped with all essential agricultural machinery required for independent and efficient operations. The machinery fleet includes: two tractors, a combine harvester, harrows, a seeder, a fertilizer spreader, a sprayer, a grain transport trailer, other cultivation implements. This technical base allows the farm to perform all key agricultural operations on time without reliance on external service providers. 🤝 RELATIONSHIP WITH “INSOIL” The farmer has an established cooperation history with the InSoil platform. Currently, five loans are active on the platform, all of which are being repaid on time and without any issues. This demonstrates the farmer’s financial discipline and ability to meet obligations responsibly. 💶 PURPOSE OF FINANCING AND COLLATERAL The farmer is applying for financing to increase working capital, ensuring smooth day-to-day operations and stable continuity of farm activities. To secure the loan, two land plots owned by the farmer will be pledged as collateral. 📌 INVESTMENT HIGHLIGHTS The project is characterized by: a farm operating for more than 10 years, sustainable farming practices (no-till), a sufficient and well-maintained machinery base, a proven cooperation history with InSoil, a clear and well-defined use of funds, loan security backed by real estate. This creates a solid foundation for investors seeking stable and predictable returns from the agricultural sector.
Active loans balance: Collateralized - € 147884.73 Uncollateralized - € 9000
Active loans total: € 156884.73

Project risks

For this project, there is a risk of losing all the profits made and the funds invested.

In this case, if the Project Owner fails to fulfill its obligations, the Platform Operator will take all necessary measures to protect the interests of investors and use the provided collateral, but the Platform Operator does not guarantee the full fulfillment of the Project Owner's obligations.

Financial agreements are not subject to the insurance protection established by the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania.

Additional information:

If the project owner does not collect the amounts to be financed, the collected funds will be returned to the funders by transferring them to the account from which they were transferred. The Platform Operator also has the right to offer the Project Owner to reduce the amount to be financed during the Project financing term or to extend the Project financing term. In this case, if the amount to be financed is reduced or the term of financing the Project is extended, it shall in all cases be announced on the Platform and the Fund's financiers shall be informed.