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.

LT0003154

Goal
25,000 €
Raised
25,000 €
100%
Return rate
12%
Rating
B+
Period
36
Time left
LTV
46%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner Address
Xxxxxxx Xxxxxx
Xxxxxxėx x., Xxxxxxxxx xxx., Xxžxxxšxxx 2
header_1 Declared Owned
Farming land155.79 ha38.84 ha
20242023
Revenue 69,548.00 € 74,628.00 €
Net profit -7,220.00 € 9,652.00 €
Equity ratio 36.62% -
Project description
Documents
Payment schedule
Since 2014, a grain farm in the Ukmergė district has been cultivating wheat, rapeseed, and other field crops. Over the past decade, the farmer has built a well-organised and efficient farming system focused on sustainable crop production and consistent long-term growth. The total cultivated area covers 155.79 hectares of arable land, of which 38.84 hectares are owned, while the remainder is leased. This balance between owned and rented land ensures flexibility in crop rotation and efficient resource management.

The farm is equipped with modern agricultural machinery, including a combine harvester, two tractors, and all necessary tillage and maintenance equipment. For the last three years, the farmer has applied no-till cultivation technology, which helps preserve soil quality, reduce fuel consumption, and improve yields. In the previous year, a modern no-till seeder was purchased – another step toward a sustainable and progressive farming model.

The farmer has approached the Insoil investor community for a loan to settle outstanding payments to suppliers. The loan will be secured by a tractor owned by the farmer, valued at €54,513, with an LTV ratio of 46%. In 2024, adverse weather conditions caused significant yield losses, as much of the harvest had to be sold as feed grain. As a result, the farm recorded a net loss of €7,220, but after adding €15,586 in depreciation, it generated a positive EBITDA of €8,366. That same year, revenue amounted to €27,465, and subsidies reached €42,083, reflecting stable operational potential.

The farmer has been a client of Insoil since 2023, having concluded one loan agreement, which is serviced punctually and without delays. With a decade of experience, modern equipment, and a responsible financial record, this project represents a low-risk and financially sound investment opportunity, aimed at ensuring operational stability and continued farm development.

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.