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.

LT0003155

Goal
25,000 €
Raised
25,000 €
100%
Return rate
12%
Rating
B+
Period
36
Time left
LTV
97%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner Address
Xxxxxx Xxxxxxxxx Xxxšxxx
Xxxxxxėx x. xxx., Žxxxxx xxx., Xxxxxxxx, Xxxxxxų x. 7
header_1 Declared Owned
Farming land205.16 ha10.00 ha
20242023
Revenue 122,597.00 € 54,833.00 €
Net profit 39,308.00 € 9,003.00 €
Equity ratio 39.64% -
Project description
Documents
Payment schedule
The farm was established in 2020 in Ukmergė district and currently declares 205 hectares of land, with 10 hectares privately owned. Inheriting land from the farmer’s father allowed the farm to double in size over the past five years. The farm is mixed: 40% of income is generated from crop production, growing wheat, beans, rapeseed, peas, oats, triticale, and maize—with part of the harvest used for animal feed production—and the remaining 60% comes from beef cattle farming, raising 70 head of cattle. This diversification ensures stable income and effective risk management. The farm uses no-till technologies, cultivates cover crops, and practices crop rotation, and owns all necessary equipment for sustainable and efficient operations. One €15,000 loan has already been successfully repaid to InSoil investors. The requested financing is for working capital to ensure the successful completion of the 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.