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.

LT0003225

Goal
10,000 €
Raised
10,000 €
100%
Return rate
13%
Rating
B+
Period
36
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxxšxx
Xxxxxėžxx x. xxx., Xxxxxėžxx xxx., Ūxx, Ūxxx x. 50
header_1
Declared
Owned
Farming land65.97 ha9.06 ha
20242023
Revenue 59,334.00 € 51,481.00 €
Net profit 7,634.00 € 19,434.00 €
Equity ratio 52.73% -
Project description
Documents
Payment schedule
FARM DESCRIPTION
The crop farm, established in 2020 in the Panevėžys district, has been developing grain production for five years. The farmer currently declares 65.97 ha of agricultural land, of which 9.06 ha are owned, while the remaining area is leased. The farm is managed by a single operator who owns all essential machinery— a tractor, a combine harvester, a trailer, and other implements— enabling efficient and independent soil preparation, sowing, and harvesting operations.

CULTIVATED CROPS
According to the 2025 crop declaration, the farm grows wheat, barley, and other cereal crops. Soil is cultivated using no-till farming technology, which reduces fuel consumption, preserves soil structure, and enhances long-term fertility. This cultivation method aligns with modern sustainability standards and strengthens the farm’s competitiveness.

FINANCIAL RESULTS (2024)
The financial statements indicate stable and profitable operations:
  • Sales revenue – €40,442
  • Subsidies received – €18,892
  • Net profit – €7,634
These results show that the farm operates profitably, manages costs efficiently, and maintains healthy profit margins even under fluctuating market conditions.
The balance sheet demonstrates strong financial standing:
  • Total assets – €136,340
  • Equity – €107,728
The financial structure is stable, with a moderate level of liabilities appropriate for the scale of operations. This confirms responsible financial management and timely fulfillment of obligations.

PURPOSE OF FINANCING
The farmer is applying to the Insoil investor community for working capital financing. The funds will be used to support farm expansion, cover operational expenses, secure ongoing fieldwork, and prepare for the upcoming season.

LOAN SECURITY
This is the farmer’s third project on the Insoil platform. The two existing loans are being repaid on time, demonstrating strong reliability and a solid credit history.

PROJECT ASSESSMENT
The project is evaluated as a reliable, low-risk investment opportunity, based on:
  • consistently declared crop areas,
  • positive operational results and real EBITDA generation,
  • strong equity position and well-managed liabilities,
  • the use of modern and sustainable no-till farming technology.
This investment offers stable returns to investors while supporting the growth and sustainability of Lithuania’s agricultural 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.