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.

LT0003363

Tikslas
15,000 €
Surinkta
15,000 €
100%
Palūkanų dydis
15%
Reitingas
B
Periodas
9
Liko laiko
LTV
-
Šalis
Lietuva
Paskolos tikslas
Refinansavimas
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas
Adresas
Xxxxxx Xxxxxxx Xxxxxxxxė
Xxxxxxxų x. 16, Xxxxxxx, Xxxšxxxxxxų x.
header_1
Deklaruotas plotas
Nuosavas plotas
Farming land656.48 ha270.00 ha
20252024
Pajamos 666,838.00 € 532,194.00 €
Grynasis pelnas 116,239.00 € 150,629.00 €
Nuosavo kapitalo santykis 2.52% -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
Project Summary
The project belongs to a crop farming operation located in the Kaišiadorys district, operating since 2014. The farm operates on a family basis and cooperates with the spouse’s farm. The requested financing is intended to repay an existing unsecured loan, postponing principal repayment until the end of the year when the new harvest is sold.

Farm Overview
The farm was established in 2014 in the Kaišiadorys district. It currently declares more than 650 hectares of agricultural land, 270 hectares of which are owned. Farming activities are organized on a family basis, alongside the spouse’s farm. Together, the family cultivates more than 1,000 hectares of land, nearly 300 hectares of which are owned.

Operating Model and Sustainability
The farm specializes in crop production, primarily cultivating wheat, barley, and rapeseed. Land is managed using no-till practices, supported by crop rotation and cover crops. This farming model is focused on soil preservation and long-term operational continuity.

Relationship with InSoil
The farm has been an InSoil client since 2020. During this period, the farm has taken and repaid 9 loans with a total amount exceeding EUR 360,000.

Financial Situation
The year 2025 was challenging in terms of harvest results, as adverse weather conditions and low commodity prices affected cash flows. The farm is currently in the process of securing approximately EUR 1.50 million in bank financing for a 7-year term, which will be used to refinance all existing farm loans and extend their maturity. The transaction is expected to be completed by mid-March. The bank is unable to assume the unsecured loan without collateral; therefore, in order to ensure smooth fulfillment of obligations towards the InSoil investor community, the farm is applying for financing to fully repay the existing unsecured loan.

Financing Purpose
The requested funds will be used to repay the existing unsecured loan, with principal repayment postponed until the end of the year from the proceeds of the new harvest. The financing aims to balance short-term cash flows until the bank refinancing transaction is finalized.

Conclusion
The project represents an experienced family-operated farm with significant cultivated land area and a long-standing cooperation history with InSoil. The financing purpose is clearly defined and related to restructuring existing obligations and stabilizing cash flows until the planned bank refinancing is completed.

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.