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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.
LT0003169
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 0.00 ha | 0.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 391,741.00 € | 394,637.00 € |
| Net profit | -6,412.00 € | -9,939.00 € |
| Equity ratio | 67.01% | - |
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UAB Regsa is a forestry and agricultural company operating since 2006, engaged in forest acquisition and sales, timber harvesting, reforestation, and agricultural production. The company has a strong reputation, has received the Gazelle award, and is ranked among the financially strongest enterprises in Lithuania.
In 2024, Regsa generated €391,741 in sales revenue, while gross profit increased to €144,892. The final result shows a €6,412 net loss, primarily due to €44,408 in depreciation expenses related to long-term asset use. When depreciation is taken into account, the company generates a positive EBITDA of approximately €38,000, indicating stable operational cash flows.
The balance sheet reflects a solid financial position: out of €473,404 in total assets, €330,625 represents equity, while liabilities remain relatively low at €142,779, demonstrating a conservative capital structure and low financial risk.
The company’s director has approached Insoil requesting a working capital loan that will be used for the purchase of machinery parts. The loan will be secured by the personal guarantee of the company’s director/shareholder.
The reported accounting loss is technical in nature and driven by depreciation, while the company’s core operations remain profitable, diversified, and stable in the long term. Regsa is a mature, low-risk enterprise well-suited for sustainable long-term financing.
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.