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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.
LT0002918
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 99.72 ha | 22.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 152,815.00 € | 146,431.00 € |
| Net profit | -17,019.00 € | 18,343.00 € |
| Equity ratio | 45.58% | - |
Documents
Payment schedule
We invite you to invest in a loan for the farm that was registered 10 years ago in Šakiai district. The farm declares nearly 100 hectares of land, of which 22 hectares are owned.
The farm grows various grain crops such as rapeseed, wheat, barley, and fava beans, applies crop rotation, and cultivates cover crops.
It operates with 3 tractors, a combine harvester, and other equipment used for sustainable no-till farming.
In 2024, the farm incurred a loss due to purchasing a larger quantity of fertilizers at a favorable price at the end of the year in preparation for the upcoming season. Nevertheless, the cash flow remains positive, as the farm accounted for over € 30k in depreciation of long-term assets. It is worth mentioning that this is not the farm's first loan with InSoil – it has previously borrowed and successfully repaid 3 loans, totaling €33,000.
The funds are needed for seasonal preparation, primarily for fuel.
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.