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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.
LT0003202
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 247.77 ha | 75.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 259,910.00 € | 207,714.00 € |
| Net profit | -55,310.00 € | -148,584.00 € |
| Equity ratio | 39.03% | - |
Documents
Payment schedule
General Information
Farm established in 1996 in Pakruojis District. Currently declares 247.77 ha arable land, 75 ha privately owned.
Farm Activities
No-till farming with modern equipment and crop rotation. Grows grains (wheat, rye, oats) and vegetables (mainly potatoes), ensuring diverse high-quality produce.
Development Plans
Farmer implements innovations: 2026 opening of on-farm café for educational events and dining using only farm products. Fresh produce sold via mobile refrigerated trailers at markets and events.
Family Involvement
Husband and son actively assist; son guarantees the project. Family collectively declares >320 ha (>100 ha owned), son operates separate farm.
Financial Situation
Weather challenges and building investments caused net losses in 2023-2024, but perfect payment history maintained. 2024 EBITDA positive at €43,802.
Investment Purpose and Collateral
Funds needed to complete building construction and setup for café opening. 6,85 ha privately owned land offered as collateral, valued at €42,800 per Registrų centras 2026 projected value, ensuring LTV of 82%.
Summary
Stable family farm with sustainable practices expanding into direct-to-consumer value chain. Positive EBITDA despite temporary losses, impeccable credit history, and strong collateral (LTV 82%) demonstrate reliability.
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.