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.

LT0003236

Goal
20,000 €
Raised
20,000 €
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 Xxūxxx Xxxxxxxxxxx
Šxxxų x., Xxxxxxų xxx., Šxxxxxxų x.
header_1
Declared
Owned
Farming land234.46 ha150.00 ha
20242023
Revenue 323,410.00 € 353,291.00 €
Net profit -5,873.00 € -20,994.00 €
Equity ratio 29.81% -
Project description
Documents
Payment schedule
🧑‍🌾 FARM OVERVIEW
This arable farm, established in 2004 in the Šakiai District, has been engaged in grain production for more than twenty-one years. The farmer currently declares 234.46 ha of arable land, of which 150 ha are owned, while the remaining area is cultivated under lease agreements. The farm is managed by a single owner who operates a fully equipped machinery base, including two tractors, a combine harvester, a trailer, and various implements. This allows all soil preparation and harvesting work to be carried out efficiently and independently.

🌱 CULTIVATED CROPS
According to the 2025 land declaration, the farm grows wheat, barley, and other cereal crops. The land is cultivated using no-till technology, which reduces fuel and labour costs, protects soil structure, and improves long-term soil fertility. This approach aligns with modern sustainable farming practices and strengthens the farm’s competitiveness.

📊 FINANCIAL RESULTS (2024)
Based on the submitted financial statements, the farm demonstrates stable operating performance:
  • Sales revenue: €298,188
  • Received subsidies: €25,222
  • Net profit: –€5,873; however, after accounting for €54,409 in depreciation and amortisation, the farm generates a positive EBITDA, indicating strong underlying cash flow.

The balance sheet confirms a solid financial position:
  • Total assets: €538,965
  • Equity: €166,630
The financial structure is stable, with a manageable level of liabilities appropriate for the size of the operation. The results indicate that the farm generates sufficient cash flow and manages its financial commitments responsibly.

💶 PURPOSE OF FINANCING
The farmer is seeking financing from the InSoil investor community for working capital needs. The borrowed funds will be used to support farm expansion, secure upcoming fieldwork, and settle payments with suppliers, ensuring smooth operational continuity for the new season.

🔒 LOAN SECURITY
This is the farmer’s third project on the Insoil platform. The two previous loans were repaid on time, with no late payments recorded, highlighting the farmer’s reliability and strong financial discipline.

📈 PROJECT ASSESSMENT
Considering more than 21 years of farming activity, a large and stable declared cultivation area, positive EBITDA and solid operational performance, strong equity and a balanced liability structure, transparent farm management, and the adoption of modern no-till technology, this project is assessed as a low-risk and attractive investment opportunity that offers stable returns while contributing to the sustainable development 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.