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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.
LT0003178
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 48.73 ha | 4.20 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 56,752.00 € | 23,551.00 € |
| Net profit | 39,725.00 € | 21,185.00 € |
| Equity ratio | 53.28% | - |
Documents
Payment schedule
Farm Overview
Established in 2022, the farm operates in the Ukmergė district and cultivates wheat, rapeseed, barley, and other arable crops. The farmer manages 48.73 ha of farmland, of which 4.2 ha are privately owned, while the remaining area is leased.
Machinery and Farming Technology
The farm is equipped with a combine harvester, tractor, seed drill, sprayer, trailer, and additional tillage machinery, enabling all fieldwork to be carried out independently. The land is cultivated using no-till technology, which helps preserve soil structure, reduce erosion, and optimise fuel use.
Financial Performance (2024)
In 2024, the farm generated €17,230 in sales revenue and €39,522 in subsidies, resulting in a strong €39,725 net profit due to low operating costs. Total assets amount to €109,778, equity stands at €47,158, and financial obligations remain moderate and well-balanced.
Crop Structure (2025 Declaration)
The farm grows barley, wheat, oats, mixed crops and perennial grasses, and also uses cover crops while consistently applying no-till principles across its fields.
Loan Purpose
The farmer is applying to Insoil for working capital financing, which will be used to prepare for the upcoming season—covering seed, fertiliser, machinery maintenance, and operational costs.
Investment Assessment
Given the farm’s sustainable practices, modern machinery, healthy land structure, strong net profit and disciplined financial management, this project is considered a low-risk and attractive investment opportunity, offering stable and predictable returns.
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.