Ūkio paskola

Ūkio paskola skirta žemės ir technikos įsigijimui, apyvartiniam kapitalui padidinti, kitiems ūkio plėtros poreikiams. Paskolos sąlygos priklauso nuo ūkio kreditingumo, paskolai užtikrinti įkeičiamo turto, paskolos grąžinimo laikotarpio ir kitų kriterijų.

LT0003191

Tikslas
39,500 €
Surinkta
32,486 €
82%
Palūkanų dydis
12%
Reitingas
B
Periodas
60
Liko laiko
LTV
84%
Šalis
Lithuania
Paskolos tikslas
Working capital
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas Adresas
Xxxxxx Xxxx Xxxšxxxxxxxė
Xxxxxxxšxxx x., Xxšxxčxx xxx., Xxšxxčxx x. 22
header_1 Deklaruotas plotas Nuosavas plotas
Farming land80.37 ha18.00 ha
20242023
Pajamos 48,713.00 € 72,701.00 €
Grynasis pelnas 21,934.00 € 23,475.00 €
Nuosavo kapitalo santykis 32.64% -

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Projekto aprašymas
Dokumentai
Mokėjimo grafikas
Farm Activity and Structure
Since 2022, a mixed farm has been operating in the Vilkaviškis district, combining beef cattle breeding and grain production. The farm, managed by the farmer, covers 79.97 hectares of arable land, of which 18 hectares are privately owned.
In 2022, the farmer participated in the Young Farmers Programme and acquired 18 hectares of land. The necessary fieldwork machinery is rented from her husband, who is engaged in crop farming. The land is cultivated using a no-till technology, which helps preserve soil structure, reduce erosion, and decrease fuel consumption.

Technical Base
The farm is equipped with all the necessary machinery and tools required for both livestock and crop production. A tractor, trailer, seeder, cultivator, fertiliser spreader, and other equipment ensure efficient daily operations and stable production capacity.

Financial Results
According to the 2024 financial statements, the farm earned €19,647 in sales revenue and €29,066 in related subsidies. Over the year, it generated €31,494 in gross profit and €21,934 in net profit.
The balance sheet shows total assets amounting to €281,518, the majority of which consists of fixed assets and biological assets. The farm’s equity amounts to €75,523, while liabilities total €165,995.
The financial results indicate that the farm operates profitably and generates positive cash flow — with the main expenses related to asset acquisition rather than operational inefficiency.
(Source: profit and loss statement and balance sheet)

Relationship with Insoil
This is not the farmer’s first project on the Insoil platform. In total, two loan agreements have been concluded, one of which is currently active, with a total outstanding balance of €32,912. All payments have been made impeccably — no delays have been recorded.

Loan Purpose
The farmer has approached Insoil requesting a loan that will be used for the purchase of a seed drill, with part of the funds allocated to working capital needs.

Loan Collateral
To secure the loan, the farmer will pledge 7 land plots with a total area of 11.14 hectares. According to the 2025 Registry Centre data, the pledged land plots are valued at €43,980 (LTV 90%). However, based on the updated 2026 Registry Centre valuations, the total value of these land plots amounts to €46,870 (LTV 84%). It is evident that the value of the collateral has increased significantly, ensuring sufficient collateral coverage and a strong loan security structure.

Projekto rizika

Šitam projektui, kyla rizika prarasti visą gautą pelną ir investuotas lėšas.

Tokiu atveju, Projekto savininkui neįvykdžius savo įsipareigojimų, Platformos operatorius imsis visų būtinų priemonių investuotojų interesams apsaugoti ir panaudos pateiktą užstatą, tačiau Platformos valdytojas negarantuoja visiško Projekto savininko įsipareigojimų įvykdymo.

Finansinėms sutartims netaikoma Lietuvos Respublikos indėlių ir įsipareigojimų investuotojams draudimo įstatymo nustatyta draudimo apsauga.

Papildoma informacija:

Projekto savininkui nesurinkus finansuotinų sumų, surinktos lėšos grąžinamos rėmėjams pervedant jas į sąskaitą, iš kurios buvo pervestos. Platformos operatorius taip pat turi teisę pasiūlyti Projekto savininkui per Projekto finansavimo terminą sumažinti finansuojamą sumą arba pratęsti Projekto finansavimo terminą. Tokiu atveju, sumažinus finansuojamą sumą arba pratęsus Projekto finansavimo terminą, visais atvejais apie tai pranešama Platformoje ir informuojami Fondo finansuotojai.