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.

LT0003137

Goal
30,000 €
Raised
30,000 €
100%
Return rate
12%
Rating
A
Period
37
Time left
LTV
42%
Country
Lithuania
Loan purpose
Equipment purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxxxx
Xxxxxxxšxxx x., Šxxxxxx xxx., Žxxxxxx x. 5
header_1
Declared
Owned
Farming land74.90 ha10.00 ha
20242023
Revenue 93,513.00 € 61,644.00 €
Net profit 1,769.00 € 3,474.00 €
Equity ratio 21.64% -
Project description
Documents
Payment schedule
This project provides InSoil investors with the opportunity to finance a Lithuanian grain farm located in the Radviliškis district, Šaukotas eldership. Established in 2014, the farm focuses on cultivating spring and winter wheat, rapeseed, and other cereals across 74.90 hectares of land, of which 10 hectares are owned by the farmer.
The farm operates using no-till cultivation technology, which helps maintain soil structure, prevent erosion, and reduce fuel consumption. This sustainable practice supports long-term soil health and aligns with InSoil’s regenerative agriculture principles.

In 2024, the farm generated €93,513 in income, including €74,556 from sales and €18,957 from subsidies, resulting in a net profit of €1,769. The equity ratio stood at 21.64%. Despite a modest profit margin, the farm demonstrates financial stability and consistent operations.


The farmer is applying for a loan to purchase a new Amazone UG 3000 Super sprayer, which will improve spraying accuracy, reduce input waste, and enhance crop protection efficiency. The purchased equipment will serve as collateral for the loan, complemented by the farmer’s personal liability.
This is the farmer’s second project financed through the InSoil platform. The borrower has been making all payments on the first loan without any delays, demonstrating strong repayment discipline and reliability. The investment supports sustainable technology adoption and productivity growth within the Lithuanian agricultural sector.

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.