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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.
LT0003120
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 26.51 ha | 24.10 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 28,718.00 € | 25,209.00 € |
| Net profit | 5,934.00 € | 7,485.00 € |
| Equity ratio | 63% | - |
Documents
Payment schedule
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.
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.