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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.

LT0003108

Goal

35,000 €

Raised

35,000 €

Return rate

12.5%

Rating

Period

Time left

LTV

72%

Country

Lithuania

Loan purpose

Working capital

Business information

Security measures

Loan history

Project owner	Address
Ūxxxxxxxx (-ė) Xxxxxx Xxxxxxxxx	Xxxxxxxšxxx x., Xxxxxxšxxx xxx., Xxxxxxšxxx, Xxšxxx x. 10

header_1	Declared	Owned
Dirbama žemė	127.25 ha	40.01 ha

	2024	2023
Revenue	143,607.00 €	153,322.00 €
Net profit	60,159.00 €	80,439.00 €
Equity ratio	36.74%	-

Project description

Documents

Payment schedule

The farm, located in the Radviliškis district, has been successfully operating since 2000 and for more than two decades has specialised in crop production, with a primary focus on cereal cultivation. Over this time, the farm has grown into a modern family-run business focused on sustainable production, increasing efficiency, and adopting advanced farming technologies. All operations are performed by family members without the need for hired labour, and the farm operates with its own machinery, including a combine harvester, tractor, and other soil cultivation equipment.

According to the 2025 crop declaration, the farmer manages a total of 127.25 ha of agricultural land, 40 ha of which is owned. The main business activity is grain cultivation, with crop rotation also including peas, perennial grasslands, and other crops that maintain soil fertility and production stability. The production structure consists mainly of wheat (KVŽ), barley (MIV), and peas (ŽIR), which occupy the majority of the arable land and are targeted at both domestic and export markets.

The farm applies no-till (conservation tillage) technology, which helps reduce fuel costs, preserve soil structure, improve carbon sequestration, and increase operational efficiency. As a result, the farm actively participates in the Insoil Carbon Farming Programme, with 80 ha already enrolled. Based on this project, the farm has already received a Green Loan, secured by pledged land parcels.

The farmer is now applying for a new loan through the Insoil platform aimed at increasing working capital and supporting further business expansion. The funds will be used for purchasing seeds, fertilisers, fuel, and other production inputs. The loan will be secured by a land plot and a tractor owned by the farm. The farm has a proven credit history — a previous loan of EUR 15,000 was fully repaid.

Financial indicators (2024):

Revenue – EUR 143,607

Gross profit – EUR 57,363

Operating profit – EUR 52,539

Net profit – EUR 60,159

The total assets of the farm amount to EUR 499,301, of which EUR 467,208 is fixed assets (including land, machinery, and vehicles), while equity amounts to EUR 208,870. This demonstrates a solid asset base and strong financial stability, ensuring the farm’s capacity to service debt and making the project attractive to investors.

The farm’s long operational history, implementation of modern no-till technology, active participation in the carbon farming programme, stable financial results, and strong asset base make this project a sustainable, low-risk, and reliable investment opportunity with a clear growth potential — both in terms of production volumes and added value creation.

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.