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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.
LT0003124
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 0.00 ha | 0.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 174,041.00 € | 142,592.00 € |
| Net profit | 9,027.00 € | -9,796.00 € |
| Equity ratio | 55.77% | - |
Documents
Payment schedule
UAB “Ganina” is a road freight transport company operating since 2018. Over the past seven years, the company has built a solid reputation as a reliable logistics partner and currently works with some of Lithuania’s largest transport and logistics companies, including Girteka Cargo, Kargautas, Hegelmann Transporte, and Essence Group. One of the most frequent destinations served is Scandinavia, particularly for JYSK shipments.
The company specialises in international freight transport (EVRK 4941) and has held a valid Community Transport Licence since 2019. Operations are based in Šiauliai, Lithuania, with a team of five employees. The fleet consists of three truck units – part of which are leased through SME Capital 3 – while one vehicle, a VOLVO FH12.460, is owned outright by the company.
In 2024, the company achieved a clear financial recovery following the slowdown during the pandemic. Annual revenue reached €174,000, representing a 22% increase compared to 2023. Gross profit rose to €93,600, while net profit totalled €9,000, marking a full return to profitability. Equity increased to nearly €49,000, and total liabilities were reduced by more than one-third. These results confirm the company’s financial strength and capacity for expansion. Liquidity and profitability indicators are well above the industry average, with a current ratio of 3.85, a quick ratio of 3.8, and a return on equity of 18.5%. This reflects a healthy cash position, low debt levels, and efficient capital management.
According to the Creditinfo report dated 15 October 2025, UAB “Ganina” maintains excellent credit quality. The probability of delayed payments stands at 1.12% (Class 6 – Medium Risk), while the bankruptcy probability is only 0.044% (Class 2 – Excellent Condition). The company has no tax or social security debts, no asset seizures, and no negative public records. The total fleet value is estimated at €43,000–45,000, including €7,500 in owned assets and the remainder under lease agreements.
UAB “Ganina” is seeking a €20,000 loan to purchase an additional truck from abroad. The goal is to expand the fleet, increase transport capacity, and strengthen service capabilities for existing clients such as Girteka and JYSK.
The company’s CEO will provide a personal guarantee for this loan, and the business’s strong financial standing ensures sufficient capacity to service the debt from operational income. UAB “Ganina” is a profitable, stable, and growing logistics company with a clear expansion strategy, reliable client base, and excellent credit reputation. This project represents a low-to-medium risk investment focused on fleet expansion, with the personal guarantee of the company’s director providing additional security for investors.
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.