Ūkio paskola

FARM OVERVIEW

The farm, established in 2014 and located in the Alytus district, is a mixed agricultural operation combining crop production and livestock farming. The farmer manages 242.21 ha of agricultural land, of which 35 ha are privately owned and the remaining area is leased. The main crops grown on the farm include wheat, triticale, rapeseed, and peas. The livestock operation consists of approximately 60 beef and dairy cattle, providing income diversification and reducing seasonal risks. The farm is well-equipped with essential machinery, including three tractors, a combine harvester, a sprayer, and additional implements, enabling efficient independent operation throughout the season. The farmer has previously worked with InSoil and has a positive record of timely loan repayments.

FINANCIAL RESULTS

According to the 2024 financial statements, the farm demonstrates stable and profitable performance. Sales revenue amounted to €244,990, while subsidies reached €44,092, bringing the total annual operating volume to €289,082. The farm generated a net profit of €32,187, reflecting solid operational efficiency despite rising costs and market volatility. Balance sheet data further supports financial stability: total assets amount to €754,366, and equity reaches €252,134. These indicators confirm sufficient financial resilience and a strong asset base for future development.

PURPOSE OF FINANCING

The farmer is applying to the InSoil investor community for a loan intended to strengthen working capital. The funds will be used to prepare for the upcoming season and cover essential operating expenses such as fertilizers, seeds, fuel, feed, and machinery maintenance. This financing will help stabilize cash flows, ensure uninterrupted production, and improve the farm’s ability to manage day-to-day costs efficiently.

LOAN SECURITY

The farmer became an InSoil client in 2021 and has since concluded seven loan agreements, three of which are currently active. All previous loans were serviced responsibly and repaid on time, confirming the farmer’s high reliability. The new loan will also be secured by the farmer’s land and strong asset base, as reflected in the 2024 financial statements and ownership structure. Considering the size of the farm, its diversified operations, and stable financial performance, the loan security level is assessed as reliable and in line with InSoil’s risk-management standards.

PROJECT ASSESSMENT

Taking into account: the large and consistently declared farmland area, a well-developed machinery base and sustainable farming practices, profitable 2024 operating results and positive net profit, a strong asset structure and significant equity position, and an impeccable credit history with InSoil, this project is assessed as a low-risk and attractive investment opportunity. It offers investors stable return potential and contributes to the sustainable development of the Lithuanian agricultural sector.