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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.
LT0003210
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 297.08 ha | 42.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 351,761.00 € | 372,432.00 € |
| Net profit | -35,347.00 € | -104,528.00 € |
| Equity ratio | 12.55% | - |
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FARM OVERVIEW
The project owner took over his father’s farm in 2014 and continues to operate a mixed agricultural business in Kaunas district. The farm grows wheat, maize and peas, and in addition to crop production, the farmer also keeps around 30 dairy cows, with plans to expand the herd. This mixed farming structure ensures risk diversification and a balanced revenue model.
The farm is equipped with all essential machinery, including three tractors, two combine harvesters, a telescopic loader and other smaller equipment, allowing the farmer to perform all main fieldwork and harvesting operations independently. The land is cultivated using no-till technology, which helps reduce fuel consumption, preserve soil structure and improve long-term soil productivity.
FINANCIAL RESULTS
According to the 2024 financial statements, the farm generated €287,712 in sales revenue and received €64,049 in subsidies. Due to increased operating costs and unfavourable weather conditions, the farm recorded a €35,347 net loss. However, after adding €42,729 in depreciation expenses, the operational result improves significantly, demonstrating that the core activity remains sustainable.
Balance sheet data show that the farm owns €378,873 in assets, with the largest share consisting of real estate — €224,591. Total equity amounts to €94,092.
The financial loss was caused by climatic factors: spring frosts and intense summer heat affected crop yields, resulting in lower sales revenue. Despite these challenges, the farmer met all obligations to suppliers and creditors on time, meaning that the loss is temporary and does not pose a risk to liquidity or business continuity.
CREDIT HISTORY AND LOAN SECURITY
The farmer currently has two active loans on the Insoil platform, both of which are serviced without any delays. This demonstrates a strong repayment discipline and reliability as a borrower.
LOAN PURPOSE
The farmer is requesting a €25,000 working capital loan to prepare for the upcoming farming season. The funds will be used to cover essential operating expenses such as machinery maintenance, seeds, fertilisers, feed and other immediate farm needs.
PROJECT ASSESSMENT
Considering:
the diversified farming model (crop production + dairy farming),
a solid asset base and well-developed machinery fleet,
timely repayment history with all creditors,
sustainable performance despite weather-related challenges,
excellent repayment behaviour on existing Insoil loans,
this project is assessed as a reliable and low-risk investment opportunity. It offers a clear return perspective for investors and supports the continued development of a resilient mixed farming operation.
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.