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.

LT0003191

Goal
39,500 €
Raised
39,500 €
100%
Return rate
12%
Rating
B
Period
60
Time left
LTV
84%
Country
Lithuania
Loan purpose
Equipment purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxx Xxxšxxxxxxxė
Xxxxxxxšxxx x., Xxšxxčxx xxx., Xxšxxčxx x. 22
header_1
Declared
Owned
Farming land80.37 ha18.00 ha
20242023
Revenue 48,713.00 € 72,701.00 €
Net profit 21,934.00 € 23,475.00 €
Equity ratio 32.64% -
Project description
Documents
Payment schedule
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.

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.