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.

LT0003186

Goal
77,000 €
Raised
15,998 €
20%
Return rate
13%
Rating
B
Period
49
Time left
LTV
89%
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner Address
Ūxxxxxxxx (-ė) Xxxxxx Xxxčxxxxxxė
Xxxxxų x. xxx., Xxxxxxšxxų xxx., Xxxšxxxėxxx, Šxxxxxšxxų x. 9
header_1 Declared Owned
Dirbama žemė81.04 ha33.00 ha
20242023
Revenue 164,972.00 € 131,873.00 €
Net profit 80,075.00 € 64,836.00 €
Equity ratio 40.27% -

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Project description
Documents
Payment schedule

FARM OVERVIEW

A mixed farm in the Prienai district has been operating since 2016, combining dairy production with cereal cultivation. The farmer manages 81.04 ha of agricultural land, including 33 ha owned, and together with her spouse, oversees roughly 200 ha in total. This provides a stable operational base and diversified production.
The farm maintains 60 dairy cows and 8 heifers, forming its primary livestock activity. A portion of the land is allocated to growing maize, wheat and barley, ensuring feed supply and marketable grain production. The machinery fleet includes four tractors, a baler, a drill, a hay mower, a rake and a trailer, enabling efficient performance of all key agricultural operations.

LOAN REQUEST

The farmer is seeking a €77,000 loan for refinancing. The funds will be used to repay an existing obligation to Finora Bank (outstanding balance approx. €46,222), with the remainder allocated to stabilising cash flow and strengthening the financial structure of the farm.

LOAN COLLATERAL

The loan will be secured by 14 land plots with a combined area of approximately 33 ha, valued at €86,283 according to the Lithuanian Registry Centre. Additional guarantees include the personal surety of the spouse, Algirdas Ruočkus, as well as the farmer’s personal liability.

FINANCIAL PERFORMANCE

According to the 2024 financial statements, the farm generated €131,645 in sales revenue, supported by €33,327 in subsidies. After covering operating expenses of €75,480, the farm recorded a net profit of €80,075. Despite fluctuations in production conditions and pricing, the farm demonstrates stable income generation and positive year-end results.

BALANCE SHEET POSITION
Total assets amount to €308,752, with €184,212 in fixed assets and €124,540 in current assets. Equity stands at €170,185, representing a solid capital base, while total liabilities amount to €138,567, split between €110,644 long-term and €27,923 short-term obligations . Overall, the balance sheet reflects moderate leverage and stable liquidity.

BORROWER HISTORY

The farmer has been working with InSoil since 2021. Over this period, eight loan agreements have been concluded, five of which are already repaid. Two loans remain active, with a combined outstanding balance of €36,859.73. 

INVESTMENT OUTLOOK

The farm operates with diversified income streams, an established operational base, adequate machinery and long-standing experience in both livestock and crop production. The refinancing purpose strengthens the farm’s financial position, while the loan is fully backed by land collateral and additional guarantees. Given the positive financial results, stable farming scale and responsible historical cooperation, this project represents a well-secured 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.