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.

LT0003175

Goal
100,000 €
Raised
55,901 €
55%
Return rate
12%
Rating
B+
Period
37
Time left
LTV
89%
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner Address
Ūxxxxxxxx (-ė) Xxxxxxxxxx Xxxxxxxxxx
Xxxxxxxšxxx x., Xxxxxšxxx xxx., Xxxxxxšxėx xx 5
header_1 Declared Owned
Dirbama žemė764.81 ha360.00 ha
20242023
Revenue 855,189.00 € 771,349.00 €
Net profit 152,579.00 € 104,944.00 €
Equity ratio 89.42% -

Investment calculator

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Interest rates:
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Project description
Documents
Payment schedule
FARM OVERVIEW
Since the year 2000, a cereal farm operating in the Vilkaviškis district has been cultivating wheat, rapeseed and sugar beet. The farmer manages 764.81 ha of arable land, of which 360 ha are owned, while the total area farmed together with the family exceeds 800 ha. This makes the operation one of the larger and more established farms in the region.

MACHINERY & FARMING PRACTICES
The farm is equipped with three combine harvesters, four tractors, a seed drill, a sprayer, trailers and other cultivation machinery, allowing all field operations to be carried out independently. The land is farmed using no-till technology, which helps preserve soil structure, reduce fuel consumption and improve long-term productivity.

LOAN REQUEST
The farmer is applying to the Insoil investor community for a loan to strengthen working capital. A portion of the funds will be used to partially repay the existing Insoil loan LT0001935, with an outstanding balance of €61,637.97, while the remaining amount will be allocated for purchasing fuel and fertilizers in preparation for the upcoming season.

LOAN COLLATERAL
The loan will be secured by two land plots with a combined area of 30.52 ha. The plots have a soil productivity score of 32, and their value has been determined according to the Lithuanian Registry Centre.

FINANCIAL PERFORMANCE
In 2024, the farm generated €741,803 in sales revenue, while subsidies amounted to €113,386. After covering operating costs, the farm recorded a net profit of €152,579, demonstrating strong operational efficiency and sound cash-flow management, even under challenging market and weather conditions.

BALANCE SHEET POSITION
The balance sheet reflects strong financial stability, with €1,188,183 in equity and a relatively low level of liabilities. This indicates a conservative capital structure and a low-risk financial profile.

INVESTMENT OUTLOOK
Considering the large land base, long-standing farming experience, modern machinery, sustainable no-till practices and strong financial results, the project is assessed as a low-risk, reliable and attractive investment opportunity for the Insoil investor community."     

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.