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.

LT0003237

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 Xxxxxx Xxxxxxxxxčxxx
Xxxxxų x. 8, Xxxxxxxų x., Xxxxxxų xxx., Šxxxxxxų x.
header_1
Declared
Owned
Farming land299.16 ha10.00 ha
20242023
Revenue 360,507.00 € 381,375.00 €
Net profit 48,819.00 € 71,360.00 €
Equity ratio 26.01% -
Project description
Documents
Payment schedule

🧑‍🌾 FARM OVERVIEW

The farmer established the farm in 2010 and has since consistently invested in long-term land leases and the acquisition of modern agricultural machinery. Part of the equipment was purchased with support from NMA programmes, demonstrating the farmer’s commitment to innovation and sustainable farm development.

The farmer currently cultivates 299.16 ha of arable land, of which approximately 10 ha are privately owned, while the remaining area is leased.
The farm grows rapeseed, wheat, buckwheat, and other crops. In recent years, the farmer has increasingly implemented sustainable farming technologies to reduce production costs, improve soil structure, and increase long-term productivity.

🚜 TECHNICAL BASE
The farm is equipped with all essential machinery required for efficient operations:
  • 2 combine harvesters
  • 2 tractors
  • sprayer
  • additional implements and equipment
  • grain dryer
  • grain storage facility enabling the farmer to hold crops until market prices become more favorable
This infrastructure significantly enhances the farm’s ability to manage production and optimize income.

📊 FINANCIAL OVERVIEW
Based on the submitted financial statements, the farm demonstrates stable operations and sufficient cash flow to meet its obligations on time while maintaining growth potential. The overall financial structure reflects a balanced ratio of assets and liabilities, typical of medium-sized arable farms.

💶 FINANCING PURPOSE
The farmer is applying to the InSoil investor community for working capital financing. The funds will be used for the purchase of fertilisers, seeds, and fuel—essential inputs for maintaining stable operations and preparing for the upcoming agricultural season.
Since joining the InSoil platform in 2021, the farmer has concluded eight loan agreements. Seven loans have been fully repaid, and one loan is currently active. All obligations are up to date, with no overdue amounts or active delays recorded at the moment, demonstrating a high level of financial discipline and reliability.

🔒 LOAN SECURITY
The loan is uncollateralised and is granted based on the personal liability of the farmer. The project’s risk profile is mitigated by the farmer’s long-standing operating history, stable farm activity, and consistent cash flow generation. Since joining the InSoil platform in 2021, the farmer has concluded eight loan agreements, of which seven have been fully repaid and one is currently active. All obligations are currently up to date, with no overdue amounts or active delays recorded. This current repayment status forms the primary basis for investor protection in this project.

📈 PROJECT ASSESSMENT
Considering:
  • more than 15 years of experience in the agricultural sector,
  • a stable and consistently cultivated land area,
  • a sustainable and modern development direction,
  • a strong machinery and infrastructure base (including a grain dryer and storage facilities),
  • an excellent loan repayment history with InSoil (eight loans, all serviced on time),
the project is assessed as a low-risk investment opportunity, offering stable returns and contributing to the efficient and 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.