Ūkio paskola

The farm, located in the Prienai district, was established in 2008. Initially managed by the farmer’s late husband, it is now successfully operated by the farmer herself, Danutė, who continues the family’s long-standing agricultural tradition. The family farm specialises in grain and legume cultivation, focusing on sustainable farming practices and efficient resource management. According to the 2025 crop declaration, the farm manages 114.70 hectares of land, of which 11.51 hectares are owned, while the remaining area is cultivated under lease agreements. The crop structure consists mainly of wheat, barley, peas, and other rotational crops that help maintain soil fertility and ensure stable production yields. The farm operates with its own agricultural machinery, including three tractors, a combine harvester, a seeder, and a sprayer, which allows for efficient and independent operations without reliance on external service providers.

The farmer is applying through the Insoil platform for a refinancing and working capital loan. Currently, the farm has an active loan LT0002091, with an outstanding balance of €30,436.27 (initial amount €40,000). Due to unfavourable weather conditions – including spring frost, excessive rainfall, and reduced grain quality – the farm did not achieve the expected income needed to fully meet existing financial obligations. The farmer is seeking €50,000 in financing to refinance the current loan and strengthen working capital, ensuring stable liquidity, continuity of seasonal operations, and resilience against future climatic or financial disruptions. 

Loan amount: €50,000 Purpose: Refinancing of existing loan LT0002091 and additional working capital Collateral: Privately owned 36.58 m² apartment in Kaunas, with a registered value of €60,400 (State Land Register data) Loan-to-Value (LTV): approximately 83% Relationship with Insoil: The farmer has been a client of the Insoil platform since 2021, having signed three loan agreements to date — one currently active and two fully repaid 

The farm demonstrates a long operational history, sustainable production practices, and a solid asset base. The purpose of the refinancing and working capital loan is financially sound, aiming to stabilise cash flows after adverse weather conditions and to secure the farm’s operational continuity. With 114.70 hectares of cultivated land, its own machinery fleet, and reliable collateral (an apartment in Kaunas valued at €60,400), this project is assessed as a medium-risk yet stable and reliable investment opportunity, ensuring the farm’s long-term financial stability and sustainable growth.

The pictures of the collateral are uploaded in the other documents section.