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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.
LT0003171
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 74.90 ha | 10.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 93,513.00 € | 61,644.00 € |
| Net profit | 1,769.00 € | 3,474.00 € |
| Equity ratio | 17.35% | - |
Documents
Payment schedule
FARM OVERVIEW
Since 2014, a cereal farm operating in the Radviliškis district has been cultivating spring and winter wheat, rapeseed, and other grain crops. This is a steadily developing family-run farm built on modern agricultural practices and structured production planning. The farmer currently declares 74.90 ha of arable land, of which 10 ha are owned.
MACHINERY & OPERATIONAL CAPACITY
The farm is equipped with all essential agricultural machinery, including a tractor, sprayer, cultivator, seed drill, combine harvester, telehandler, and additional equipment required to independently carry out all field operations. The land is cultivated using no-till technology, which preserves soil structure, reduces erosion, optimises fuel consumption, and contributes to long-term soil productivity and sustainability.
FINANCIAL PERFORMANCE (2024)
According to the 2024 financial statements, the farm generated €74,556 in sales revenue and €18,957 in subsidies. The year concluded with a €5,786 gross profit and a €1,769 net profit, demonstrating disciplined cost control and stable operational performance. Total assets amounted to €66,495, with €23,613 in equity, reflecting a balanced and financially sound operational base.
LOAN PURPOSE AND HISTORY
This is the farmer’s third project on the InSoil platform, and all previous loans have been repaid responsibly and without any delays. The farmer is now applying for a working capital loan to cover essential seasonal expenses such as fertiliser, fuel, and machinery repairs.
LOAN SECURITY
To secure the loan, the farmer will pledge 8 land plots with a total area of 6.63 ha, providing strong collateral coverage and additional protection for investors.
INVESTMENT ASSESSMENT
Considering the farm’s long-term operational history, modern machinery base, sustainable no-till farming practices, responsible financial management, and excellent repayment discipline on the InSoil platform, this project is assessed as a low-risk, reliable, and well-structured investment opportunity with clear value and stability for investors.
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.