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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.
LT0003050
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 263.77 ha | 460.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 249,056.00 € | 509,263.00 € |
| Net profit | -91,467.00 € | 148,756.00 € |
| Equity ratio | 18.08% | - |
Documents
Payment schedule
The farm, established in 2008 in the Anykščiai district, is fully organic and holds a certified organic farm status. Its main activity is the cultivation of beef cattle of the Aubrac breed, with 130 animals currently maintained. While 264 hectares are officially declared each season, the ownership base comprises 460 hectares, with additional plots cultivated by other family farming units under land-use agreements. The farm adheres to strict organic standards, continuously invests in modern equipment, and improves livestock conditions; sustainable land management and crop rotation practices are standard.
The overall family farming system involves five separate legal entities: the main organic farm, the mother’s and wife’s organic farms, and two agricultural companies (one organic, one conventional, established in 2024), jointly managing nearly 1,000 hectares of arable land, over 700 hectares of which are privately owned. Across the family operations, nearly 300 organically certified Aubrac beef cattle are raised. The newly established conventional company declares 274 hectares and specialises in grain production for sale.
The farms demonstrate high financial transparency, consistently improving cost management and operational efficiency; the group previously borrowed approximately €0.5 million through the InSoil community and successfully repaid all obligations on time. The consolidated financial statements submitted to investors reflect the family’s robust financial standing. The requested funds are needed to cover ongoing seasonal expenses, primarily for fuel and other operating needs, ensuring a reliable and sustainable end to the season.
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.