Ūkio paskola

We invite you to invest in a productive and well-managed family farm located in the Vilkaviškis district, operating successfully in the agricultural sector with a focus on crop production, including both vegetable and grain cultivation. The business is family-run, without hired employees, and all agricultural activities are performed using the farm’s own modern machinery.

The farmer uses modern and sustainable farming practices designed to increase efficiency, maintain soil health, and ensure reliable harvests. According to the 2025 crop declaration, the farm cultivates 26.51 hectares of land, of which 24.10 hectares are privately owned. Together with other family members, the total managed area reaches around 300 hectares, allowing for shared resources, economies of scale, and consistent operational efficiency.

The main crops include wheat, barley, and rapeseed, complemented by rotational crops that improve soil fertility and reduce production risk. The farm employs no-till (conservation tillage) methods, which help reduce fuel use, preserve soil structure, and promote sustainable land management.

According to the 2024 financial statements, the farm achieved a positive financial result, generating over €24,000 in annual revenue and more than €8,000 in gross profit. The profit before tax was €5,934, confirming stable profitability and responsible management. The total asset value exceeds €113,000, including land, buildings, and agricultural machinery, reflecting a solid financial base and steady cash flow to support daily operations.

🚜 Financing Purpose and Structure

The farm is seeking a €43,000 loan through the InSoil platform to strengthen working capital and support ongoing agricultural operations. The funds will be used to cover seasonal expenses, such as the purchase of seeds, fertilisers, and fuel, as well as maintenance and efficiency improvements for farm equipment.

Loan Security: The loan is secured by three land plots with a total area of 9.07 hectares. According to the State Land Register, the total value of the pledged land is €48,350, resulting in an LTV (loan-to-value) ratio of approximately 89%, which is within the acceptable range for this type of agricultural financing.

This project offers investors the opportunity to support a financially stable and sustainability-oriented family farm while earning an attractive return backed by real land collateral.