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.

LT0002874

Goal
100,000 €
Raised
67,424 €
67%
Return rate
13%
Rating
B+
Period
36
Time left
LTV
38%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner Address
XXX Xxxxx xxxxų xxxxxxx, Xxxxx Xxxxxxxxxčxxx
Xxxxxxx 16-xxxxx x. 49, Xxžxšxxų x., Xxxxxxxxx xxxxxxxxų xxx., Xxxxx x.
header_1 Declared Owned
Farming land0.00 ha0.00 ha
20242023
Revenue 1,467,011.00 € 867,574.00 €
Net profit 18,160.00 € 94,162.00 €
Equity ratio 9.65% -

Investment calculator

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Interest

13%

Preliminary earnings

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Important:
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Interest rates:
Investing from 100 € - 13%
Project description
Documents
Payment schedule

Investment Opportunity: Leading Asphalt Producer in the Kaunas District

Company Overview

Established in 2018, Kauno Kelių Statyba has rapidly emerged as a key player in Lithuania’s highway and road construction sector, with a specialized focus on asphalt production and supply. Strategically located in the Kaunas District, the company operates a state-of-the-art asphalt manufacturing facility situated on a 4-hectare land plot it fully owns. The modern plant boasts a robust seasonal production capacity of 40,000 to 60,000 tonnes of high-quality asphalt, positioning the company to meet the growing infrastructure demands across the region.

The team consists of 14 seasoned professionals, many of whom bring extensive experience from leading infrastructure firms such as Kauno Tiltai and Kauno Keliai. This depth of industry expertise enables the company to identify and capitalize on niche market opportunities often underserved by larger competitors, ensuring both sustainable growth and operational excellence.

Purpose of Financing

Kauno Kelių Statyba is seeking to raise working capital to finance the procurement of essential raw materials and chemical additives required for the upcoming asphalt production season. This capital injection will enable the company to optimize its production cycles, fulfill existing contracts, and pursue new market opportunities with speed and efficiency.

Investment Security: Strong Collateral Package

To provide investors with robust downside protection, the company will secure the financing with its fully owned fleet of specialized machinery. The total independently appraised value of this equipment stands at EUR 260,810, resulting in a conservative loan-to-value (LTV) ratio of 38%. This substantial collateral coverage reflects the company’s commitment to prudent financial management and investor security.

Key Investment Highlights

  • Established Track Record: Proven operational success since 2018, supported by an experienced and capable management team.
  • Modern Production Facility: Significant production capacity and a strategically located asset base.
  • Niche Market Positioning: Focus on underserved market segments, enabling higher margins and stable demand.
  • Attractive Risk-Return Profile: Low LTV ratio with tangible, asset-backed security.
  • Growth Potential: Additional working capital will unlock new business opportunities and support continued expansion.

Investors seeking secure, asset-backed opportunities in the infrastructure sector are invited to participate in this project. Partnering with Kauno Kelių Statyba offers the opportunity to support Lithuania’s infrastructure development while benefiting from a well-structured and collateralized investment.

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.