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.

LT0003221

Goal
21,000 €
Raised
21,000 €
100%
Return rate
12%
Rating
A+
Period
36
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxx Žxxxxxxxxx
Xxxxxėx x. Žxxxxxų xxx., Xxxxxėxxx, Xxxxxėx x. 63
header_1
Declared
Owned
Farming land103.53 ha54.00 ha
20242023
Revenue 86,037.00 € 59,503.00 €
Net profit 30,579.00 € 9,426.00 €
Equity ratio 64.78% -
Project description
Documents
Payment schedule
Farm Overview
The mixed farm, established in 2008 in the Plungė district, focuses on raising Šarole beef cattle (currently 30 head) and operating a crop farm where grain crops are grown for feed production. The farmer currently declares 103.53 ha of arable land, 54 ha of which he owns. The farm is managed by a single operator, who performs all tasks using the available machinery, including two tractors, grass-handling equipment, feed preparation machinery, a trailer, and other implements.

Cultivated Crops (based on the land declaration)
The farm grows wheat, barley, and other grain crops used primarily for cattle feed. This crop structure ensures feed self-sufficiency and reduces dependency on volatile market prices.

Financial Results (2024)
According to the submitted financial statements, the farm demonstrates stable and positive performance:
  • Sales revenue: €53,653
  • Subsidies received: €32,384
  • Net profit: €30,579
These results show that even during challenging agricultural market conditions, the farm remains profitable and manages its costs efficiently.

Balance sheet figures confirm a strong financial foundation:
  • Total assets: €233,186
  • Equity: €141,858
This structure indicates solid financial resilience and a moderate level of liabilities, which is important when evaluating new financing requests.

Purpose of Financing
The farmer is applying to the Insoil investor community for working capital financing. The funds will be used to expand the beef cattle herd and acquire a small parcel of land, which will increase the farm’s productivity and long-term value.

Loan Security
This is the farmer’s first project on the Insoil platform. The loan will be secured by the farm’s assets and supported by the farm’s stable financial results, which demonstrate the farmer’s capacity to meet financial obligations. The combination of livestock and crop production provides a solid security base for investors.

Project Assessment
Considering:
  • more than 15 years of farming experience,
  • the stability of a diversified mixed farm,
  • a positive net profit result in 2024,
  • a significant share of owned land (54 ha),
  • a strong balance sheet and equity position,
this project is evaluated as a low-to-medium-risk investment opportunity, offering stable returns while supporting the further development of the farm and the Lithuanian livestock 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.