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.

LT0003213

Goal
15,000 €
Raised
15,000 €
100%
Return rate
12%
Rating
B+
Period
36
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxx Xxxxxčxxxx
Xxxėxxx x. xxx., Xxxxxxų xxx., Xxxxxxxx, Xxxxx x. 19-7,
header_1
Declared
Owned
Farming land193.06 ha35.58 ha
20242023
Revenue 98,907.00 € 86,512.00 €
Net profit 1,908.00 € 225.00 €
Equity ratio 25.47% -
Project description
Documents
Payment schedule
FARM OVERVIEW
This project invites investors to participate in the growth of a well-established Lithuanian crop farm. The farmer, who has been active in the agricultural sector since 2009, currently manages 193.06 ha of farmland in the Varėna district, of which 35.58 ha are owned. The farm cultivates buckwheat, rye, oats, and wheat, ensuring a diversified crop structure and reduced exposure to market and climate risks.

FARM MACHINERY
The farm is equipped with all the essential machinery required for efficient crop production. The machinery fleet includes:
  • a combine harvester,
  • a tractor,
  • a seed drill,
  • and other cultivation tools.

The farmer applies no-till farming technology, which helps preserve soil structure, reduce erosion, and improve long-term soil productivity while minimizing fuel consumption.


CREDIT HISTORY
The farmer has been a client of Insoil since 2021. During this period, four loan agreements were concluded, of which three have already been fully repaid according to schedule, and one remains active. All obligations were performed responsibly, with no recorded late payments. The client therefore demonstrates high financial reliability.

PURPOSE OF FINANCING
The farmer is applying to the Insoil investor community for a loan intended to increase working capital. The funds will be used to cover ongoing operational expenses and prepare the farm for the upcoming season.

PROJECT ASSESSMENT
Considering:
  • more than 15 years of farming experience,
  • a sufficiently large and stable land base,
  • diversified crop production,
  • the use of sustainable no-till farming practices,
  • and an impeccable credit history with Insoil,
this project is assessed as a low-risk and reliable investment opportunity, offering stable return potential and supporting sustainable agricultural development.

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.