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.

LT0003217

Goal
15,000 €
Raised
15,000 €
100%
Return rate
12%
Rating
B+
Period
12
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxxxx Xxxxxxxxxx
Xxxxxxų x., Xxxxxų xxx. Xxxxėx xxxxxx xxx.
header_1
Declared
Owned
Dirbama žemė126.02 ha90.00 ha
20242023
Revenue 167,066.00 € 142,163.00 €
Net profit 18,513.00 € 19,339.00 €
Equity ratio 52.01% -
Project description
Documents
Payment schedule
FARM OVERVIEW
This project invites investors to participate in the development of a cereal farm operating in the Kelmė district since 2010. The farmer currently manages 126.02 ha of agricultural land, of which 90 ha are privately owned, with the remaining area cultivated under lease agreements. The farm grows a diverse range of crops, including beans, spring and winter rapeseed, wheat, and other cereals, ensuring a balanced and resilient production structure.

EQUIPMENT BASE
The farm is equipped with all essential machinery required for efficient crop production. The equipment fleet includes a combine harvester, tractor, sprayer, seeder, and various other cultivation and maintenance implements. This machinery enables the farmer to perform all field operations independently and maintain stable production capacity throughout the season.

CREDIT HISTORY
The farmer has been a client of the Insoil platform since 2021. During this period, two loan agreements were issued, both of which were fully repaid on time. This demonstrates strong financial discipline and a high level of borrower reliability.

PURPOSE OF THE FINANCING
The farmer is now seeking a €15,000 loan from the Insoil investor community. The funds will be allocated to working capital, specifically:
  • fuel purchases,
  • acquisition of small equipment needed for upcoming fieldwork.
  • This financing will support smooth preparation for the next season and strengthen the farm’s operational liquidity.

PROJECT ASSESSMENT
Considering:
  • the farmer’s long-term experience (active since 2010),
  • the substantial amount of land under management and a strong share of privately owned land,
  • the sufficiently developed machinery base,
  • the solid and flawless Insoil credit history,
this project is assessed as a low-risk, attractive investment opportunity, offering investors a stable return outlook 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.