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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.
LT0003168
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 231.68 ha | 140.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 252,206.00 € | 181,281.00 € |
| Net profit | 10,060.00 € | -86,184.00 € |
| Equity ratio | 28.84% | - |
Documents
Payment schedule
The project owner established his crop farm in the Kelmė district in 2007, building the business entirely independently. Today, the farm grows wheat, rapeseed, barley, peas, and beans, with all production sold to a long-term partner — UAB Agrokoncernas.
The farmer declares 231.68 hectares of arable land, of which 140 hectares are privately owned. He operates the farm together with family members and hires an additional worker during the busy season. The farm is equipped with two tractors, a combine harvester, a seeder, a sprayer, trailers, and other machinery, allowing all fieldwork to be performed independently.
The farmer is now applying to the Insoil investor community for a working capital loan, which will be used to prepare for the spring season — covering the purchase of fuel, fertilisers, machinery repairs, and other essential operational needs.
The farmer has been using Insoil services since 2023 and maintains an excellent repayment history. Two loan agreements have been concluded:
LT0001835 – issued for €40,000, current balance €26,666.74, secured by pledged land plots, with maturity on 2027-12-05.
LT0002705 – issued for €15,000, current balance €10,049.67, unsecured, with maturity on 2025-12-24. The farmer has committed to fully repay this loan on the date of the new loan issuance.
All existing loans have been serviced without any delays, with zero days of overdue payments, demonstrating strong financial discipline and reliable debt management.
Given the farm’s scale, long-term experience, substantial owned land base, and impeccable credit history, this project represents a low-risk, reliable, and sustainable 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.