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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.
LT0003204
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 242.21 ha | 30.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 289,082.00 € | 290,767.00 € |
| Net profit | 32,187.00 € | 31,582.00 € |
| Equity ratio | 30.72% | - |
Documents
Payment schedule
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.
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.