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.

LT0003166

Goal
32,000 €
Raised
32,000 €
100%
Return rate
13%
Rating
B
Period
36
Time left
LTV
90%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner Address
Xxxxx Xxxxxxxxx
Xxxžxčxų x. 2, Xxxxxėxų xxx., Xxxxėx x.
header_1 Declared Owned
Dirbama žemė31.86 ha25.00 ha
20242023
Revenue 22,401.00 € 27,460.00 €
Net profit -1,577.00 € 724.00 €
Equity ratio 42.29% -
Project description
Documents
Payment schedule
General Information
The farm was established in 2008 in Kalmė District. It currently declares 31 hectares of land, of which 25 hectares are privately owned. The farmer has been managing the operation since establishment, consistently focusing on sustainable production and the implementation of modern agricultural technologies.

Farm Activities
The main specialization of the farm is the cultivation of grain and legume crops. In 2025, the farmer grew wheat, peas, and potatoes. The farm applies a no-till farming system, grows cover crops, and follows crop rotation principles, ensuring soil fertility preservation and environmentally responsible farming.

Financial Situation
Due to unfavorable weather conditions and low crop purchase prices, the farm incurred a loss of approximately €1,500 in 2024. Nevertheless, the overall financial position remains stable – the equity ratio exceeds 40%, and all financial obligations are fulfilled on time. The farmer has no delayed payments and maintains a solid credit record.

Purpose of Investment
The funds obtained from the investment will be used to refinance the existing loan from the company “Insoil,” part of which has already been repaid. The remaining amount will be allocated to working capital to successfully complete the 2025 farming season and ensure operational stability.

Summary
The farm demonstrates responsible management, adherence to sustainable agriculture principles, and a clear strategy focused on crop production. Consistent performance and timely fulfillment of obligations make this project a reliable and promising investment opportunity.

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.