Ūkio paskola

Ūkio paskola skirta žemės ir technikos įsigijimui, apyvartiniam kapitalui padidinti, kitiems ūkio plėtros poreikiams. Paskolos sąlygos priklauso nuo ūkio kreditingumo, paskolai užtikrinti įkeičiamo turto, paskolos grąžinimo laikotarpio ir kitų kriterijų.

LT0003128

Tikslas
26,500 €
Surinkta
26,500 €
100%
Palūkanų dydis
12%
Reitingas
B+
Periodas
35
Liko laiko
LTV
60%
Šalis
Lithuania
Paskolos tikslas
Working capital
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas
Adresas
Xxxxxx Xxxxxxx Xxxxxxx
Xxxxx x. Xxšėxų xxx., Xxxxxxšxxxx, Xxxšxxxxxxx x 64
header_1
Deklaruotas plotas
Nuosavas plotas
Farming land145.27 ha24.00 ha
20242023
Pajamos 186,556.00 € 155,843.00 €
Grynasis pelnas 9,444.00 € -4,608.00 €
Nuosavo kapitalo santykis 0.08% -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
"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."     

Projekto rizika

Šitam projektui, kyla rizika prarasti visą gautą pelną ir investuotas lėšas.

Tokiu atveju, Projekto savininkui neįvykdžius savo įsipareigojimų, Platformos operatorius imsis visų būtinų priemonių investuotojų interesams apsaugoti ir panaudos pateiktą užstatą, tačiau Platformos valdytojas negarantuoja visiško Projekto savininko įsipareigojimų įvykdymo.

Finansinėms sutartims netaikoma Lietuvos Respublikos indėlių ir įsipareigojimų investuotojams draudimo įstatymo nustatyta draudimo apsauga.

Papildoma informacija:

Projekto savininkui nesurinkus finansuotinų sumų, surinktos lėšos grąžinamos rėmėjams pervedant jas į sąskaitą, iš kurios buvo pervestos. Platformos operatorius taip pat turi teisę pasiūlyti Projekto savininkui per Projekto finansavimo terminą sumažinti finansuojamą sumą arba pratęsti Projekto finansavimo terminą. Tokiu atveju, sumažinus finansuojamą sumą arba pratęsus Projekto finansavimo terminą, visais atvejais apie tai pranešama Platformoje ir informuojami Fondo finansuotojai.