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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.
BG0002877
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 144.71 ha | 0.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 62,888.90 € | 44,993.69 € |
| Net profit | 12,782.30 € | - |
| Equity ratio | 40.77% | - |
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Lilyana has been actively farming since 2012 in the Vratsa district, where she manages 144.71 hectares of organically certified pastures. Over the years, she has steadily expanded her agricultural activities, producing hay and breeding 78 horses on her farm. She also participates in soil fertility programmes and is committed to maintaining permanent grasslands in good condition.
Farming remains a family effort, with her daughter actively involved in the business and acting as guarantor for this loan. Lilyana has a long-standing relationship with the InSoil investor community, having taken out six loans to date — four of which have been fully repaid. Current outstanding loan balance is 52 048.77 € across three active loans.
With this new financing, Lilyana plans to refinance her existing loan and allocate the remaining funds toward working capital needs.
The farmer is eligible to receive the EU subsidy with the minimum amount of € 81 790 which will be used as a security measure for this loan. The subsidy to farmers supported under schemes and measures of the Common Agricultural Policy, including the scheme Single Payment per area from the State Fund Agriculture will be paid to the farmer's account where InSoil has full access to the pledged receivable.
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.