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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.
LT0003172
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 54.86 ha | 16.44 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 101,114.00 € | 102,098.00 € |
| Net profit | 17,786.00 € | 16,848.00 € |
| Equity ratio | 32.73% | - |
Documents
Payment schedule
FARM OVERVIEW
For more than thirteen years, a mixed farm located in the Kėdainiai district has been carrying out both livestock and crop production activities. The farmer keeps 30 dairy cows, 6 heifers and other livestock, while also cultivating wheat, barley and various other grain crops. The total declared farmland amounts to 54.86 ha, of which 16.44 ha are privately owned, and all farm work is performed by family members, ensuring stability, continuity and efficient management.
MACHINERY AND OPERATIONAL CAPACITY
The farm is equipped with all essential machinery required for both crop and livestock operations, including a tractor, trailer, seed drill, cultivator, fertiliser spreader and other tools that enable fully independent management of the production cycle. The available machinery ensures smooth day-to-day operations and efficient organisation of all agricultural processes.
FINANCIAL PERFORMANCE (2024)
According to the 2024 financial statements, the farm generated €88,294 in sales revenue, while subsidies amounted to €12,820, resulting in a €28,371 gross profit and a €23,765 operating profit after general and administrative expenses. Financial activity resulted in a €5,777 loss, leading to a final net profit of €17,786 for the year. The balance sheet reflects a stable financial structure, with €126,877 in total assets, €48,204 in equity, and €78,673 in liabilities.
LOAN PURPOSE AND REPAYMENT HISTORY
This is not the farmer’s first project on the Insoil platform — four loan agreements have been concluded to date, with two currently active and a combined outstanding balance of €19,469.56. Due to adverse weather conditions and resulting production losses, the farmer is experiencing temporary financial difficulties and has applied to Insoil for the refinancing of existing loans to reduce monthly instalments and stabilise cash flow.
LOAN SECURITY
To secure the refinancing loan, the farmer will pledge a 3.42 ha land plot, which has a Registry Centre-estimated value of €20,400, providing a solid collateral base and favourable LTV ratio for investors.
INVESTMENT ASSESSMENT
Given the farm’s long-standing experience in mixed agricultural production, diversified income structure, solid 2024 financial results and reliable repayment history on the Insoil platform, this project is evaluated as a financially sound, low-to-medium risk and sustainable investment opportunity, enabling the farm to restore liquidity and ensure continued operational growth.
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.