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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.
LT0003117
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 161.83 ha | 32.94 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 96,028.00 € | 86,366.00 € |
| Net profit | 51,085.00 € | 58,003.00 € |
| Equity ratio | 49.25% | - |
Documents
Payment schedule
Farm Overview
Širvintos district, operating since 2016
Overview
The farmer, who has been successfully operating since 2016 in the Širvintos district, currently manages 161.83 hectares of land, of which 32.94 hectares are privately owned. Together with her husband, who is also engaged in farming, the family collectively cultivates 280.35 hectares.
Operations
The farm specializes in crop production, primarily growing wheat, rapeseed, faba beans, and peas. Through well-planned crop rotation, responsible resource management, and the use of modern equipment, the farm has achieved high productivity and operational stability.
Machinery
Its machinery fleet includes reliable, high-quality equipment such as two premium Claas tractors, a sprayer, a seeder, and other essential agricultural machinery. This enables efficient farm operations, reduced costs, and consistently high production standards.
Loan Purpose
The purpose of the loan is to increase working capital in order to balance cash flows and ensure the continuity and further growth of the farming operations. This financing will help maintain stability during seasonal fluctuations and support future investments in efficiency and sustainability.
Financials
The farm demonstrates strong financial performance. In 2024, revenue reached €96,000, with a net profit exceeding €51,000. The equity ratio stands at nearly 50%, indicating prudent financial management and a solid capital base.
- 2024 revenue: ~€96,000
- Net profit: >€51,000
- Equity ratio: ~50%
- Managed land: 161.83 ha (32.94 ha owned)
- Total family cultivated area: 280.35 ha
Conclusion
Overall, this project represents a reliable and well-established agricultural business with clear growth potential and a proven track record of stable performance.
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.