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.

LT0003139

Tikslas
42,400 €
Surinkta
42,400 €
100%
Palūkanų dydis
12%
Reitingas
A
Periodas
37
Liko laiko
LTV
90%
Šalis
Lithuania
Paskolos tikslas
Refinancing
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas Adresas
Ūxxxxxxxx (-ė) Xxxxxxxx Xxšxxx
Xxxxxxxx x., Xxxxxxėx xxx., Xxxxxxxx, Xxxxxų x. 38
header_1 Deklaruotas plotas Nuosavas plotas
Dirbama žemė249.74 ha70.00 ha
20242023
Pajamos 272,173.00 € 283,179.00 €
Grynasis pelnas -35,621.00 € -115,036.00 €
Nuosavo kapitalo santykis 89.83% -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
Operating since 2004 in the Jurbarkas district, the grain farm specialises in the cultivation of wheat, rapeseed, and other field crops. Over two decades, the farmer has developed a well-organised and efficient farming system focused on sustainable crop production and continuous growth.

The total cultivated area covers 249.74 hectares of arable land, of which 70 hectares are owned, while the remaining land is leased. This balance between owned and leased land provides flexibility in crop rotation planning and enables efficient resource management.

The farm is equipped with modern agricultural machinery, including two combines, three tractors, and all necessary cultivation and maintenance equipment, allowing full independence in daily operations. For the past three years, the farmer has applied no-till (conservation tillage) technology to reduce soil erosion, preserve moisture, and improve soil fertility. To further enhance efficiency and sustainability, a modern no-till seeder was purchased last year — another step toward an innovative and environmentally friendly farming model.

The farmer is seeking financing from the Insoil investor community to refinance an existing loan with another credit institution. This step will help reduce the financial burden, improve cash flow management, and strengthen operational stability for the upcoming season. The loan will be secured by three land plots, valued according to the State Register (RC) data.

For two consecutive years — 2023 and 2024 — unfavourable weather conditions led to financial losses, as most of the harvest had to be sold as feed grain. Despite these challenges, the farmer consistently fulfilled all financial obligations to both Insoil and other creditors. In 2024, the farm generated €224,062 in revenue and received €48,111 in subsidies. Although total income did not cover all operating expenses — including fertilisers, fuel, seeds, wages, and other costs — resulting in a net loss of €35,621, after accounting for depreciation of €106,197, the farm achieved a positive EBITDA of €70,576.

The farm has been cooperating with Insoil since 2024, during which two loan agreements were concluded. One loan has been fully repaid, while the active one is being serviced without any delays or issues.

The farm demonstrates a long-term operational history, modern technical capacity, strong financial discipline, and sustainable agricultural practices. The purpose of this refinancing is a financially sound decision that will help stabilise cash flows and ensure further growth of a reliable and progressive agricultural enterprise.

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.