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.

LT0003139

Goal
42,400 €
Raised
42,400 €
100%
Return rate
12%
Rating
A
Period
37
Time left
LTV
90%
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxxxx Xxšxxx
Xxxxxxxx x., Xxxxxxėx xxx., Xxxxxxxx, Xxxxxų x. 38
header_1
Declared
Owned
Dirbama žemė249.74 ha70.00 ha
20242023
Revenue 272,173.00 € 283,179.00 €
Net profit -35,621.00 € -115,036.00 €
Equity ratio 89.83% -
Project description
Documents
Payment schedule
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.

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.