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.

LT0003179

Goal
57,000 €
Raised
15,111 €
26%
Return rate
12%
Rating
B+
Period
37
Time left
LTV
66%
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner Address
Xxxxxxxxxxx įxxxė (XĮ) Xxxxxxxxx Xxxxxxxxx
Xxxxxxxų x., Xxxxxxxxx xxx., Xxxxūxxx
header_1 Declared Owned
Dirbama žemė415.11 ha84.00 ha
20242023
Revenue 500,100.00 € 403,755.00 €
Net profit 125,916.00 € 14,142.00 €
Equity ratio 33.53% -

Investment calculator

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Interest

12%

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Interest rates:
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Project description
Documents
Payment schedule
The farmer has been running a grain farm in the Raseiniai district since 2005, expanding from 16 hectares to 415 hectares of cultivated land, of which 84 hectares are privately owned. The main crops include wheat, barley, and rapeseed, and daily operations are supported by two employees.

The farm operates a complete machinery fleet and additionally rents equipment during peak seasonal work. During the past year, the farmer acquired a grain storage facility to optimise selling prices and renewed part of the machinery fleet. Future development plans include transitioning to direct drilling to reduce operating costs and improve soil health.

This is the farmer’s third project on the Insoil platform, with two active loans totalling €49,295.47, all serviced without delays. Due to difficult weather conditions and reduced yields, the farmer is seeking refinancing to lower monthly instalments and stabilise cash flow.

According to the 2024 financial statements, the farm generated €425,371 in sales and €74,729 in subsidies, achieving €185,744 in gross profit and €125,916 in net profit, despite €54,696 in financial activity losses. The balance sheet shows €1,021,498 in total assets and €325,043 in equity, reflecting a strong long-term asset base and a stable financial foundation.

To secure the refinancing loan, the farmer will pledge three owned land plots totalling 9.10 ha with an RC-established value of €86,600, resulting in a favourable LTV ratio of 64%.

Considering the long operational history, strong asset base, profitable core activity, and proven repayment discipline, the project is assessed as a low-risk, stable and attractive investment opportunity.

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.