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.

LT0003138

Goal
20,000 €
Raised
20,000 €
100%
Return rate
12%
Rating
A
Period
35
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxxxxx Xxxxxxxxx
Xxxxxx x., Žxxxxų xxx., Xxxxxxxėxxxx
header_1
Declared
Owned
Dirbama žemė195.69 ha133.00 ha
20242023
Revenue 635,527.00 € 630,323.00 €
Net profit 176,562.00 € 159,012.00 €
Equity ratio 23.28% -
Project description
Documents
Payment schedule
Since 2003, a mixed farm located in the Jonava district has been successfully engaged in both crop cultivation and livestock production. Over the years, the farmer has specialized in growing wheat, oilseed rape, and a variety of other field crops, while also maintaining a herd of beef cattle. This combination of crop and livestock farming enables efficient land use and contributes to a balanced, sustainable agricultural system.

The total area of the farm amounts to 195.69 hectares of arable land, of which 133 hectares are owned by the farmer and the remaining area is leased. This land base allows for flexible crop rotation and effective management of soil fertility.

To support these operations, the farmer has built up a well-equipped machinery fleet that includes a modern combine harvester, two tractors, a sowing machine, a sprayer, a trailer, and a range of other tillage and maintenance equipment. The use of no-till cultivation technology reflects the farmer’s commitment to sustainable practices—reducing soil disturbance, preserving moisture, and improving long-term soil health.

The farmer has now applied to the InSoil community for a loan intended to strengthen working capital. The funds will help cover ongoing operational expenses such as seed and fertilizer purchases, machinery maintenance, and livestock care, ensuring the farm’s continued productivity and financial stability throughout the growing season.

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.