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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.
LT0003174
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 1031.09 ha | 70.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 1,112,476.00 € | 1,024,826.00 € |
| Net profit | 5,026.00 € | 117,147.00 € |
| Equity ratio | 10.02% | - |
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FARM OVERVIEW
Since 2019, a cereal farm operating in the Pasvalys district has specialised in the cultivation of wheat, rapeseed, and other arable crops. The farmer manages an extensive 1,031.09 hectares of agricultural land, of which 70 hectares are privately owned, while the remaining area is leased. This land base and operational scale position the farm among the more substantial and commercially developed holdings in the region.
MACHINERY & FARMING PRACTICES
The farm is equipped with modern agricultural machinery, including two combine harvesters, several tractors, a seed drill, a sprayer, a trailer and additional supporting implements, enabling efficient and timely completion of all fieldwork. The farmer applies no-till farming technology, a sustainable cultivation method that improves soil health, reduces erosion, lowers fuel consumption, and enhances long-term productivity.
LOAN REQUEST
The farmer is applying to the InSoil investor community for funding to purchase a new no-till cultivation implement — the Horsch seed drill, which will further strengthen the farm’s transition toward sustainable and efficient crop production. The newly purchased equipment will serve as the collateral for this loan, with an LTV ratio of 60%.
FINANCIAL PERFORMANCE (2024)
According to the submitted financial statements, the farm generated €939,072 in sales revenue in 2024, compared to €922,280 the previous year, demonstrating stable operational volumes. Income-related subsidies amounted to €173,404, providing additional support to the farm’s profitability. Due to higher production costs and biological asset revaluations, the farm reported a net profit of €5,026, although non-cash expenses had a significant impact on the final accounting result.
The balance sheet reflects a large and solid asset structure. Total assets amount to €2,399,235, of which €1,396,371 is long-term fixed assets, including €603,241 in land, €557,894 in machinery, and other essential infrastructure. Current assets total €960,943, dominated by inventories linked to crop production. Equity stands at €276,147, while liabilities amount to €2,123,088, which is typical for large arable farms utilising leasing, supplier credit and seasonal financing solutions.
INVESTMENT OUTLOOK
Considering the scale of land managed, modern equipment fleet, adoption of sustainable no-till farming technologies, and the farm’s ability to maintain liquidity through capital injections and asset optimisation, the proposed investment is assessed as a stable, asset-backed and operationally strong financing opportunity. The acquisition of a new Horsch no-till seed drill will directly enhance the farm’s efficiency and long-term sustainability, while the 60% LTV provides a conservative and secure collateral structure 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.