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.

LT0003203

Goal
125,000 €
Raised
125,000 €
100%
Return rate
11%
Rating
B+
Period
36
Time left
LTV
89%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner Address
Ūxxxxxxxx (-ė) Xxxxxx Xxxxxxxxxx
Ąžxxxų x 38, Xxxžxųxų Xxėxų x., Xxxxžxxxxxxx xxx, Xxxxx x.
header_1 Declared Owned
Dirbama žemė360.62 ha82.17 ha
20242023
Revenue 499,811.00 € 485,590.00 €
Net profit 10,694.00 € -22,591.00 €
Equity ratio 3.44% -
Project description
Documents
Payment schedule
FARM OVERVIEW
The farmer has been operating a crop farm in the Kaunas region since 2004 and currently manages more than 360.62 hectares of arable land. The main crops grown on the farm are oilseed rape and various cereals, and in 2025 the farmer plans to further diversify crop production by allocating part of the fields to legumes. Such diversification reduces agronomic risk and strengthens resilience to market fluctuations and adverse weather conditions.
A strong advocate of agricultural innovation, the farmer applies minimum-tillage (min-till) technology, which reduces energy consumption, increases soil humus levels, and improves long-term soil health. This approach reflects a modern, sustainable farming model.
The farm is equipped with all essential machinery, including two tractors, a combine harvester, a loader, a minimum-tillage seeder, and a range of other cultivation implements. This machinery base ensures efficient, independent, and uninterrupted farm operations throughout the entire season.

CREDIT HISTORY
The farmer currently has four active loans on the HeavyFinance platform, with a total outstanding balance of €221,094. All instalments are paid on time and without delay. Notably, eight previous loans were repaid earlier than scheduled, demonstrating strong financial discipline and high repayment reliability.

PURPOSE OF FINANCING
The farmer is applying to the Insoil investor community for financing to acquire a new, more advanced Horsch seeder. This investment will significantly improve seeding precision, increase work efficiency, and reduce operational costs—especially when combined with minimum-tillage practices. The new seeder will further enhance the farm’s productivity, sustainability, and long-term competitiveness.

PROJECT ASSESSMENT
Considering:
the large and steadily managed 360+ ha land base,
the use of modern and sustainable farming technologies,
a strong and continuously upgraded machinery fleet,
an impeccable loan repayment record,
and a clearly defined financing purpose that directly improves operational efficiency,
the project is assessed as a low-risk and highly attractive investment opportunity, offering predictable returns for investors and contributing to the sustainable development of Lithuania’s agricultural sector.

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.