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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.
LT0003162
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 49.85 ha | 8.27 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 77,713.00 € | 74,082.00 € |
| Net profit | 17,541.00 € | 12,342.00 € |
| Equity ratio | 37.68% | - |
Documents
Payment schedule
Established in 2011, this cereal farm located in the Šiauliai district has been steadily developing its crop production activities for more than a decade. The farmer currently declares 49.85 hectares of agricultural land and plans to expand the total cultivated area to 70 hectares within the year, strengthening the farm’s production capacity and long-term competitiveness.
The farm is managed independently by the farmer, without hired labour. The production process is supported by essential machinery — a rented tractor, a sprayer, a seeder, and other smaller tools required for daily fieldwork. Despite operating with a compact equipment base, the farmer applies no-till cultivation technology, which helps preserve soil quality, reduce fuel consumption, and improve long-term sustainability.
The farmer has previously demonstrated excellent repayment discipline, having fully repaid two loans issued through the Insoil platform.
He is now applying for a working capital loan, which will be used to cover seasonal expenses and ensure smooth preparation for the upcoming production cycle.
With a clear land expansion plan, sustainable farming practices, and a proven history of responsible loan repayment, this project represents a low-risk, growth-oriented investment opportunity in a developing cereal farm.
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.