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.

LT0003156

Goal
100,000 €
Raised
100,000 €
100%
Return rate
12%
Rating
B+
Period
36
Time left
LTV
83%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner Address
Xxxxxx Žxxxūxxx Xxxxxxx
Xxxxxxxxx x., Xxxxxėx xxx., Xxxxxxėxxx, Xxxxxxxx x 8
header_1 Declared Owned
Farming land130.81 ha20.00 ha
20242023
Revenue 166,848.00 € 119,957.00 €
Net profit 42,986.00 € 20,415.00 €
Equity ratio 18.12% -
Project description
Documents
Payment schedule
Established in 2014, the grain farm located in the Skuodas district specialises in the cultivation of wheat, barley, rapeseed, and other crops. Over the past decade, the farmer has developed a well-structured and efficiently managed farm, built on family cooperation and sustainable agricultural practices.
The farm manages around 130 hectares of land, of which 20 hectares are privately owned, while the farmer and his family – including his sister, father, brother-in-law, and father-in-law – collectively cultivate around 600 hectares. This family-based structure ensures economies of scale, efficient equipment utilisation, and consistent productivity.
There are no hired workers, as all operations are carried out by family members. The farm is equipped with a combine harvester, tractor, and other cultivation machinery, and applies no-till farming technology, which helps preserve soil structure, reduce fuel consumption, and lower carbon emissions. The farmer is applying to the Insoil investor community for a working capital loan to settle payments with suppliers and support seasonal operations. The loan will be secured by approximately 33 hectares of farmland, providing strong collateral and investment safety.
With its longstanding operational history, strong family foundation, and sustainable farming model, this project represents a low-risk, financially sound, and growth-oriented investment opportunity in Lithuania’s agricultural sector.

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.