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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.
LT0003111
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 30.17 ha | 15.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 41,919.00 € | 41,143.00 € |
| Net profit | 4,386.00 € | -11,492.00 € |
| Equity ratio | -13.07% | - |
Documents
Payment schedule
The farm, located in the Šakiai district, has been successfully operating for several years, focusing on crop production — primarily the cultivation of cereals and forage crops. It is a family-run farm, where all agricultural activities are carried out independently. No hired workers are employed, and all fieldwork is performed using the farm’s own machinery, including tractors, a sprayer, a seeder, and other soil cultivation equipment.
According to the 2025 crop declaration, the farm manages 30.17 hectares of land, of which 15 hectares are owned by the project owner, while the remainder is cultivated under lease or other arrangements. The crop structure consists mainly of wheat, barley, and rapeseed, complemented by other rotational crops that maintain soil fertility and reduce production risk. The farm applies modern no-till (conservation tillage) practices, which help lower fuel costs, improve soil health, and enhance sustainability throughout the production process.
The farm is applying through the Insoil platform for a €35,000 Loan. The funds will be used for two main purposes: Refinancing existing Insoil loans: • Loan LT0001880 – remaining balance €3,672.64; • Loan LT0001370 – remaining balance €10,781.81. Increasing working capital to finance the 2025 farming season, including expenditures for seed, fertiliser, fuel, and other production inputs. Loan security: the loan will be secured by an 8-hectare land parcel, with a registered value of €55,500 (according to the State Land Register). The calculated loan-to-value (LTV) ratio is approximately 63%, which remains within the conservative lending range. The farm has been using the Insoil platform since 2021, during which it has fully repaid one previous loan, while all current obligations are being serviced on time and in accordance with repayment schedules.
The farm demonstrates a clear and sustainable business model, modern farming practices, and responsible financial management.
The combination of stable long-term operations, a balanced loan structure (refinancing and working capital), and strong collateral (8 ha land plot valued at €55,500) positions this as a low-to-medium-risk investment with a steady and predictable cash flow base.
This project represents a reliable and sustainable investment opportunity, aimed at strengthening the farm’s financial stability and supporting its continued growth.
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.