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.

LT0003219

Goal
15,000 €
Raised
15,000 €
100%
Return rate
12%
Rating
B+
Period
36
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Project owner
Address
Xxxxxx Xxxxxx Xxxxxšxxx
4 - 2, Xxxūxxx x., Xxxxxxx xxx. Xxxxxxx xxx.
header_1
Declared
Owned
Farming land136.85 ha60.00 ha
20242023
Revenue 148,514.00 € 121,727.00 €
Net profit 8,605.00 € 2,826.00 €
Equity ratio 56.84% -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
FARM OVERVIEW
This mixed farm, established in 2006 in the Rietavas district, specializes in beef cattle production and crop farming focused on growing grain crops for feed preparation. The farmer currently declares 136.85 ha of agricultural land, of which 60 ha are owned. The farm is operated by a single owner, who uses a full set of essential machinery: two tractors, grass-handling equipment, feed preparation machinery, a trailer, and various additional implements. The farm currently keeps 150 beef cattle, and the herd is gradually expanding.

CULTIVATED CROPS
According to the land-use declaration, the farm grows wheat, barley, and other cereal crops used for cattle feed. This structure ensures a stable supply of internal feed and reduces dependence on fluctuating market feed prices.

FINANCIAL RESULTS (2024)
Based on the submitted financial statements, the farm generates sustainable and positive operational results:
  • Sales revenue – €104,173
  • Received subsidies – €44,341
  • Net profit – €8,605
These results demonstrate that the farm remains profitable despite challenges in the agricultural sector and manages operational costs efficiently.

Balance sheet indicators confirm a strong financial position:
  • Total assets – €594,278
  • Equity – €316,791
This structure reflects solid financial resilience and a low-to-moderate liability level—important factors when assessing new financing risk.

PURPOSE OF FINANCING
The farmer is applying for financing from the Insoil investor community to support working capital needs. The funds will be used for beef cattle maintenance and general operational expenses, contributing to improved profitability and long-term farm value.

LOAN SECURITY
This is not the farmer’s first project on the Insoil platform. A total of four loan agreements have been concluded, two of which are currently active and serviced on time. The loan will be secured by assets owned by the farm, and the farm’s stable financial indicators further confirm its ability to meet obligations responsibly. The combination of crop and livestock farming provides investors with an additional layer of security.

PROJECT EVALUATION
Considering the following:
  • more than 19 years of experience in the agricultural sector,
  • the stability and diversification of a mixed farming model,
  • a positive net profit in 2024,
  • a significant share of owned land (60 ha),
  • strong asset and equity structure,
this project is assessed as a low-to-medium risk investment opportunity, providing sustainable returns for investors and supporting the development of the farm as well as the growth of the beef cattle 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.