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.

LT0003127

Goal
53,000 €
Raised
53,000 €
100%
Return rate
12%
Rating
A+
Period
37
Time left
LTV
56%
Country
Lithuania
Loan purpose
Equipment purchase
Business information
Security measures
Loan history
Project owner Address
Xxxxė Xxxxxxxxė
Xxxxxxx x. 22, Xxxxxų x., Xxxxxxxx x.
header_1 Declared Owned
Farming land247.77 ha75.00 ha
20242023
Revenue 259,910.00 € 207,714.00 €
Net profit -55,310.00 € -148,584.00 €
Equity ratio 45.59% -
Project description
Documents
Payment schedule
The farm was established in 1996 in Pakruojis district and currently declares 247.77 hectares of cultivated land, of which 75 hectares are privately owned. No-till farming practices and all necessary modern equipment are used to ensure sustainable land management, with crop rotation implemented. Various grain crops such as wheat, rye, oats and vegetables, mainly potatoes, are grown, providing a diverse and high-quality range of produce. 
The farmer is continuously innovating, currently developing a building where, in 2026, a café is planned to open for educational activities and dining, serving only farm-grown products. Fresh products are sold at dedicated sales points in refrigerated trailers, which are also used for direct sales at fairs and events. 
The farmer is actively supported by family - her husband and son. The son steps up as a guarantor for this project. Additionally, the son has established his own separate farm, and the family jointly declares over 320 hectares of cultivated land, with more than 100 hectares owned. 
Despite challenging weather conditions and substantial investment in the building, the farm experienced net losses in 2023 and 2024; nevertheless, the farmer successfully settled with suppliers and creditors and boasts an impeccable credit payment history. Importantly, despite the net loss, 2024 EBITDA remained positive at €43,802. 
The funding is intended for the purchase of a tractor, which will further enhance productivity and efficiency on the farm.

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.