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.

LT0003128

Goal
26,500 €
Raised
26,500 €
100%
Return rate
12%
Rating
B+
Period
36
Time left
LTV
60%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner Address
Ūxxxxxxxx (-ė) Xxxxxxx Xxxxxxx
Xxxxx x. Xxšėxų xxx., Xxxxxxšxxxx, Xxxšxxxxxxx x 64
header_1 Declared Owned
Dirbama žemė145.27 ha24.00 ha
20242023
Revenue 186,556.00 € 155,843.00 €
Net profit 9,444.00 € -4,608.00 €
Equity ratio 0.08% -
Project description
Documents
Payment schedule
"The farm, located in the Kaunas district, is managed by an experienced farmer committed to sustainable agriculture. It cultivates grains and rapeseed across 145.27 hectares of land, including 24 hectares owned by the farmer. All fields are managed using no-till (conservation tillage) methods, and the farm actively participates in the Carbon Farming Programme covering about 90 hectares, contributing to climate change mitigation and soil health improvement.

The farmer has been cooperating with Insoil since 2021 and maintains an excellent credit history. During this period, four loans have been issued, three of which are currently active:

LT0001237 (€56,500) – balance €28,542.74, secured by a New Holland combine harvester;

LT0001688 (€43,000) – balance €24,999.38, secured by pledged farmland (Green Loan);

LT0002398 (€40,000) – balance €28,021.78, secured by a John Deere tractor.

All loans are serviced on time, with only a minor 7-day technical delay recorded and resolved. Through Insoil financing, the farmer has modernised the machinery fleet, acquiring a New Holland combine, a John Deere tractor, and new tillage equipment, significantly improving operational efficiency.

In 2024 and 2025, unfavourable weather conditions led to lower yields, with much of the harvest sold as feed grain. Despite this, the farmer fulfilled all obligations to Insoil and other creditors.
In 2024, the farm reported €165,793 in revenue and €20,763 in subsidies, against €189,326 in operating expenses, resulting in a net loss of €19,158. This loss was mainly due to non-cash depreciation (€28,602), generating a positive EBITDA of €9,444. To maintain stability, the farmer contributed €49,400 of personal funds, ensuring all repayments remained on schedule.

The farmer now seeks a working capital loan to finance seasonal inputs such as fertilisers, seeds, and fuel. The loan will be secured by a newly acquired BTHL-WCT-5.0 disc cultivator, purchased in September 2025.

Overall, the farm demonstrates financial responsibility, sustainable management, and operational resilience. With stable performance, modern equipment, and a proven credit history, this project represents a low-to-medium-risk, but highly reliable investment opportunity, supporting the growth of a modern, climate-conscious farming business."     

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.