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.

LT0003082

Goal
37,500 €
Raised
18,047 €
48%
Return rate
13%
Rating
B
Period
36
Time left
LTV
89%
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner Address
Ūxxxxxxxx (-ė) Xxxxxxxxxx Xxxxxxx
Xxxxxxšxxų x., Xxxxxxxxxx xxx., Xxxžų x.
header_1 Declared Owned
Dirbama žemė168.26 ha108.70 ha
20242023
Revenue 101,339.00 € 96,735.00 €
Net profit -107,093.00 € 4,888.00 €
Equity ratio 9.17% -

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Interest

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Interest rates:
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Project description
Documents
Payment schedule
The farmer has been engaged in agricultural activities since 2001 in the Biržai district. The total cultivated area currently amounts to 168.26 ha, of which 108.70 ha are owned. Since 2022, the farmer has been a client of Insoil, having concluded four loan agreements, two of which are currently active. This time, the farmer has approached the Insoil community with a request to refinance the existing loan LT0002328 in order to optimize financial flows after two challenging agricultural years.
For two consecutive years – 2024 and 2025 – adverse weather conditions caused significant losses, as most of the harvest had to be sold as feed products. Despite these challenges, the farmer consistently met all financial obligations to both Insoil and other creditors. In 2024, the farm’s turnover amounted to €75,147, and received subsidies totaled €26,192.
Although the declared income was lower than usual, the farm maintained operational stability, as part of the payables to suppliers for fertilizers, fuel, seeds, and other operating costs were covered using joint family farm funds, given that the farmer’s operations are integrated within the broader family farming structure. As a result of these circumstances, the financial statements recorded a net loss of €107,093, and after adding depreciation expenses of €24,197, EBITDA remained negative at €82,896.
The farm participates in Insoil’s carbon credit program and currently holds one active loan, LT0001619, with an outstanding balance of €35,700 (initial amount €63,000). The loan is secured by pledged land plots with an LTV of 69%, and a minor four-day payment delay was recorded, considered technical in nature. According to Creditinfo data, the farmer’s credit history is impeccable – no delays or negative records have been registered, and the Register of Property Seizure Acts also shows no negative entries.
To secure the new loan, two land plots with a total area of 12.26 ha will be pledged. According to the National Land Registry data, the average value per hectare is €3,442, resulting in a total value of approximately €42,200. However, based on the farmer’s input and current market conditions in the region, the realistic value is no less than €5,000 per hectare, resulting in an estimated total market value of around €61,300.
In addition, a personal guarantee from the farmer’s spouse is provided. She is employed full-time, earns a stable income, has an impeccable credit history, and no negative entries in the Property Seizure Register.
This project represents a stable, long-standing farm with more than two decades of continuous operation, a proven performance track record, and a solid credit reputation. The purpose of the loan is to ensure financial stability and maintain the farm’s long-term sustainability. Adequate collateral and an additional personal guarantee provide a strong layer of security for investors.

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.