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.

LT0003194

Goal
132,000 €
Raised
0 €
0%
Return rate
12%
Rating
A+
Period
60
Time left
LTV
60%
Country
Lithuania
Loan purpose
Equipment purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxxxxxx
Šxxxxxų x. xxx., Šxxxxxų xxxxxšxxxx xxx., Xxxxxxxx,
header_1
Declared
Owned
Farming land450.85 ha200.14 ha
20242023
Revenue 652,459.00 € 553,446.00 €
Net profit 108,839.00 € 100,036.00 €
Equity ratio 43.48% -
Project description
Documents
Payment schedule
Overview of the Farm
The farm, established in 2007 and located in the Šiauliai region, is one of the larger grain-growing operations in the area, having developed consistently for more than fifteen years. At present, the farmer cultivates 450.85 hectares of agricultural land, of which 200.14 hectares are privately owned, while the remaining land is leased.

Cultivated Crops and Production Model
The farm cultivates a wide range of cereal and oilseed crops, including winter and spring wheat, rapeseed, barley, peas, oats, and a portion of perennial grasslands. This diversified crop rotation helps preserve soil structure and fertility, while also reducing production risk in years affected by unfavourable weather. The farm operates using a modern machinery base, consisting of two combines, several tractors, a seed drill, a cultivator, trailers, and a fertilizer spreader, which together enable efficient and fully independent production throughout the season.

Financial Performance
According to the 2024 financial statements, the farm delivered exceptionally strong performance results. Sales revenue amounted to €561,192, while received subsidies totalled €91,267, providing the farm with a solid and stable cash flow. Gross profit reached €146,533, and net profit amounted to €108,839, demonstrating the farm’s ability to remain profitable even under challenging market conditions. The balance sheet further confirms a strong financial position: total assets stand at €1,182,737, a significant portion of which consists of agricultural machinery and land. Equity amounts to €496,930, while liabilities total €611,140, indicating a well-balanced financial structure and sufficient capital reserves to support ongoing development.

Purpose of Financing
Given the expanding land area and the increasing intensity of field operations, the farmer is seeking financing from the Insoil investor community to acquire a new Horsch sprayer from UAB “Audrokesta.” This investment will significantly increase operational efficiency, reduce chemical usage, improve spraying precision, and enhance crop protection across large field areas. Upgrading the sprayer is a logical and economically justified step, considering the size of the farm, the level of mechanization, and the scale of production activities.

Investment Assessment
Considering the size of the farm, the strength of its asset base, its reliable credit history, and its consistent profitability, this project is viewed as a low-risk and attractive investment opportunity. It offers a clear potential return and contributes to further modernization and sustainable growth of the farming operation.

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.