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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.
LT0003057
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 146.53 ha | 250.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 146,077.00 € | 54,958.00 € |
| Net profit | 109,050.00 € | 13,068.00 € |
| Equity ratio | 45.63% | - |
Documents
Payment schedule
InSoil invites you to invest in a loan for an organic farm in the Anykščiai district.
The farm was established in 2006 and has operated as a fully organic farm since its inception, holding a valid organic farming certificate. Its main activity is the breeding of Aubrac beef cattle, with a herd of 50 certified organic animals currently maintained.
Although 146 hectares are officially declared, the farm owns 250 hectares in total, while additional areas are cultivated under lease agreements by other family farming units. The wider family farming structure consists of five operational entities: the owner’s, son’s, and daughter-in-law’s organic farms, as well as two agricultural companies – one organic and one conventional. Collectively, the family group manages nearly 1,000 hectares of arable land, more than 700 hectares of which are owned, and maintains around 300 organically certified Aubrac cattle.
In 2024, the son established a conventional farming company declaring 274 hectares and specialising in grain production for sale. Across all entities, sustainable land management is practised, equipment is continuously modernised, and livestock conditions are steadily improved. The borrower’s financial rating is based on consolidated financial statements covering the entire family operation.
The credit history reflects high reliability – €200,000 has previously been borrowed from the InSoil community, with all obligations repaid on time and without any overdue payments.
The farmer is now seeking additional funds to complete the season, primarily for fuel and other operating expenses, ensuring a stable and sustainable farming process.
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.