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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.
LT0003241
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 130.85 ha | 15.40 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 49,464.00 € | 42,707.00 € |
| Net profit | 36,390.00 € | 30,223.00 € |
| Equity ratio | 78.58% | - |
Documents
Payment schedule
General information
The farmer’s holding was established in 2021 in the Molėtai District and is registered as an organic farm with an official organic production certificate. Within a short period, the farm has grown rapidly, expanding its scale and moving towards larger‑area, higher‑volume organic production.Farm activities
This is a mixed farm where sheep, potatoes, various arable crops and mushrooms are produced, and beef cattle are kept for on‑farm needs, which allows more efficient use of feed resources and strengthens the self‑sufficiency of the holding. In 2024 the farmer declared 65 hectares of land, while in 2025 the declared area increased to 130 hectares, of which 15 hectares are privately owned land, clearly demonstrating rapid expansion and growing production capacity.Innovation and technological solutions
A technological process innovation has been implemented on the farm, including the modernisation of the feed preparation process, the purchase of a dedicated trailer for the safe transport of sheep and the installation of equipment designed to improve animal welfare. These investments have improved overall farm performance, increased labour productivity, enhanced working conditions and raised the welfare level of the flock, thereby significantly strengthening the competitiveness and long‑term viability of the farm.Financial situation and loan purpose
The National Paying Agency has informed the farmer that the planned organic support payments, amounting to around EUR 60,000, will only be disbursed next spring, approximately in April, which has created a temporary working capital gap and made it difficult to service the existing loan according to the original repayment schedule. For this reason, the purpose of the new financing is the refinancing of the existing loan by rescheduling repayments under a new repayment plan aligned with the timing of organic support payments, in order to avoid delays, maintain an excellent repayment record and ensure smooth continuity of farm operations.Conclusions
This is a rapidly growing organic mixed farm that combines livestock, crop and mushroom production and invests in animal welfare and technological innovation. The temporary liquidity challenge has arisen due to the postponement of support payments rather than mismanagement, so refinancing the existing loan and introducing a new repayment schedule is a well‑grounded solution that supports sustainable farm growth and preserves the farm’s reliability in the eyes of investors.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.