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.

LT0003216

Goal
57,000 €
Raised
0 €
0%
Return rate
12%
Rating
A+
Period
60
Time left
LTV
90%
Country
Lithuania
Loan purpose
Land purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxx Xxčxxx
Xxxxėx x. xxx., Šxxxėxų xxx., Xxxxxšxxxx, Xxxšėxų x. 5
header_1
Declared
Owned
Farming land179.53 ha110.00 ha
20242023
Revenue 980,146.00 € 873,732.00 €
Net profit 178,416.00 € 43,458.00 €
Equity ratio 21.62% -
Project description
Documents
Payment schedule
FARM DESCRIPTION
The project owner has been farming for more than twenty years and currently manages a 179.90 ha mixed farm in the Kelmė district, of which 110 ha are owned outright. The farm maintains more than 100 dairy cattle housed in modern facilities, and also cultivates grains and corn, which form a significant part of the crop production and ensure stable annual income.

FARM MACHINERY
The farm is equipped with all necessary heavy machinery, including three tractors, a seed drill, a cultivator, a plough, and other harvest equipment that enables efficient fieldwork and independent completion of all major production tasks. This machinery base allows the farmer to work large areas effectively and maintain a high-quality production process.

CREDIT HISTORY
The farmer is well known to the Insoil community and has demonstrated consistent financial responsibility. Since joining the platform, seven loan agreements have been issued, three of which have already been fully repaid, while the remaining loans are being serviced on time according to schedule, with no recorded delays. This track record highlights the borrower’s reliability and strong financial discipline.

PURPOSE OF FINANCING
The farmer is seeking financing from the Insoil investor community to acquire an additional land plot. This investment will expand the farm’s owned land base, reduce long-term rental costs, and further strengthen the asset structure, contributing to operational stability and future growth.

LOAN SECURITY
The loan will be secured by the land plot being purchased. The value of the property provides a solid level of protection for investors, and agricultural land remains one of the most reliable collateral types. Therefore, the overall project risk is assessed as low.

PROJECT ASSESSMENT
Considering the farmer’s long-term experience, the substantial and well-managed land area, the mixed operational model, the sufficient machinery base, and the impeccable credit history within the Insoil platform, the project is viewed as a reliable and low-risk investment opportunity. It offers investors a clear and sustainable return potential and supports the ongoing development of modern agricultural practices in Lithuania.

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.