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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.
LT0003201
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 307.13 ha | 75.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 420,359.00 € | 435,892.00 € |
| Net profit | 12,026.00 € | 6,730.00 € |
| Equity ratio | 20.84% | - |
Documents
Payment schedule
General Information
The farm was established in 2002 in the Pakruojis District. It currently declares nearly 310 hectares of land, of which 75 hectares are privately owned.
Farm Activities
The farm is engaged in grain production, growing wheat, barley, triticale, rapeseed, fava beans, and peas. Crop rotation and cover crops are applied, and the fields are managed using no-till practices, helping to preserve soil structure and fertility.
Machinery and Equipment
The farm operates three reliable and productive tractors, a high-class combine harvester, a self-propelled sprayer, and other necessary equipment. This machinery base enables efficient field management and high-quality harvesting operations.
Relationship with InSoil and Payment History
The farmer is a trusted long-term client of InSoil, with a very strong repayment discipline. The first loan was taken in 2020, and over the last five years the farm has borrowed a total of about €320,000 from the InSoil community. All loans were repaid on time without a single day of delay, while investors earned around €43,000 in interest from these projects.
Financials and Purpose of Investment
Due to low crop prices this year, the farm requires financing to strengthen its working capital, primarily to settle payments for fertilizers and other agricultural inputs. The loan will help maintain smooth cash flow and ensure a successful completion of the season.
Summary
This is a large, well-established grain farm with a modern machinery fleet and a significant share of owned land. Its long-standing perfect payment record and proven cooperation with InSoil make the project a reliable and attractive opportunity for investors.
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.