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.

LT0003195

Goal
25,000 €
Raised
25,000 €
100%
Return rate
12%
Rating
A
Period
48
Time left
LTV
95%
Country
Lithuania
Loan purpose
Land purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxx Xxxxxxxxxx
Xxxxxxx x. Žxxxxų xxxx., Xxxxxų x. 12
header_1
Declared
Owned
Farming land116.19 ha35.44 ha
20242023
Revenue 83,081.00 € 82,617.00 €
Net profit -19,069.00 € 28,453.00 €
Equity ratio 24.17% -
Project description
Documents
Payment schedule
FARM DESCRIPTION
The grain farm operating in the Jonava district since 1994 is a steadily growing family business that has developed a sustainable and efficient crop production base over the years. The farmer manages 116.19 hectares of land, of which 35.44 hectares are privately owned, while the remaining area is leased. All farm work is carried out by family members, and the available machinery — a combine harvester, tractor, and soil cultivation implements — allows all operations to be performed independently.

LOAN PURPOSE AND COLLATERAL
The farmer is applying to the Insoil investor community for a loan to purchase agricultural land. The loan will be secured by three land plots with a total area of 5.08 hectares, a soil productivity score of 43–46, and a combined Registry Centre valuation of €26,200.

FINANCIAL RESULTS FOR 2024
In 2024, the farm faced significant challenges due to rising fuel and fertilizer prices, increasing labor costs, and harvest losses caused by heavy rainfall. The farm’s turnover reached €67,930, and subsidies amounted to €15,151, but the total income was not sufficient to cover all expenses, resulting in a net loss of €19,069. However, after adding €19,756 in depreciation expenses, the farm generated a positive EBITDA of €687.

INVESTMENT ASSESSMENT
Considering the farmer’s long-term experience, sufficient land base, available machinery and responsible financial history, this project is assessed as a low-risk, reliable, and promising investment opportunity that supports the growth of a sustainably managed farm.

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.