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.

LT0003243

Goal
25,000 €
Raised
25,000 €
100%
Return rate
12%
Rating
A
Period
36
Time left
LTV
100%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxxxxxx
Xxxxxxxšxxx x., Xxxxxxų xxx., Xxxxxxxx., X. Xxxxxxxxčxxxx x.
header_1
Declared
Owned
Farming land44.30 ha8.50 ha
20242023
Revenue 118,380.00 € 94,291.00 €
Net profit 46,374.00 € 5,921.00 €
Equity ratio 47.82% -
Project description
Documents
Payment schedule
🧑‍🌾 FARM OVERVIEW
The arable farm, established in 2014 in the Vilkaviškis district, has been consistently developing grain production for more than eleven years. The farmer currently declares 44.30 hectares of agricultural land, of which 8.5 hectares are owned, while the remaining area is leased. The farm is managed by a single operator who owns all essential machinery needed for efficient operations, including a tractor, combine harvester, trailer, and other implements required for soil preparation and harvesting.

🌱 CULTIVATED CROPS
According to the 2025 crop declaration, the farm cultivates wheat, barley, and other cereal crops. The land is managed using no-till farming technology, which reduces fuel consumption, preserves soil structure, and improves long-term soil fertility. This method aligns with sustainable agricultural standards and enhances the farm’s competitiveness in the future.

📊 FINANCIAL RESULTS (2024)
Based on the submitted financial statements, the farm demonstrates stable and positive operating performance:
  • Sales revenue – €103,040
  • Received subsidies – €15,340
  • Net profit – €46,374

These results show that the farm operates profitably, manages expenses efficiently, and maintains strong profitability despite market fluctuations.


Balance sheet data further confirms solid financial standing:
  • Total assets – €174,913
  • Equity – €83,102
The financial structure is considered stable, with a moderate level of liabilities appropriate for the size of the farm. The results confirm the farmer’s ability to generate sufficient cash flow and responsibly meet financial obligations.

💶 PURPOSE OF FINANCING
The farmer is applying to the Insoil investor community for working capital financing. The funds will be used for farm expansion, preparation for the upcoming season, operational cost coverage, and settlements with suppliers. In addition, part of the loan will be used to repay the outstanding balance of an existing loan, improving cashflow stability.

🔒 LOAN SECURITY
This is the farmer’s second project on the Insoil platform. To secure the loan, the farmer will pledge a 4.69 ha land parcel, valued at €25,000 according to the Lithuanian State Register. This provides a sufficient level of collateral and security for investors.

📈 PROJECT ASSESSMENT
The project is assessed as a reliable and low-risk investment opportunity, considering:
  • more than 11 years of continuous farming experience,
  • a stable and consistent arable land base,
  • strong financial results and positive EBITDA generation,
  • solid equity structure and manageable liabilities,
  • the implementation of modern and sustainable no-till farming practices.
This investment offers stable returns and contributes to the development of an efficient and sustainable agricultural sector in Lithuania.

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.