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.

LT0003244

Goal
15,000 €
Raised
15,000 €
100%
Return rate
13%
Rating
B+
Period
12
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxx Xxxxxxxxxx
Xxxxėx x., Xxxxxžxxčxx xxx., Xxūxčxxx x., Xxūxčxų x
header_1
Declared
Owned
Farming land186.61 ha15.00 ha
20242023
Revenue 109,974.00 € 144,335.00 €
Net profit 7,577.00 € 18,494.00 €
Equity ratio 38.44% -
Project description
Documents
Payment schedule
🧑‍🌾 FARM OVERVIEW
The mixed farm was established in 2020 in the Kelmė district and specializes in beef cattle farming combined with crop production for feed purposes. The farmer currently declares 186.61 hectares of agricultural land, of which 15 hectares are owned, while the remaining area is farmed under lease agreements. The farm is managed by a single owner, who is fully equipped with all necessary machinery, including two tractors, grass cultivation equipment, feed preparation machinery, a trailer, and other implements required for efficient operations. At present, the farm maintains approximately 150 beef cattle, with the herd being gradually expanded.

🌱 CROPS GROWN
According to the land declaration, the farm grows wheat, barley, and other cereal crops that are used for livestock feed. This crop structure ensures a stable and continuous supply of feed while reducing dependence on market price fluctuations.

📊 FINANCIAL PERFORMANCE (2024)
Based on the submitted 2024 financial statements, the farm demonstrates sustainable and positive operating performance. Sales revenue amounted to €78,458, subsidies totaled €31,516, and net profit reached €7,577. These results confirm that the farm remains profitable even under challenging conditions in the agricultural sector and that operating costs are managed efficiently.

The balance sheet reflects a solid financial position, with total assets valued at €623,002 and equity amounting to €121,968. This structure indicates sufficient financial resilience and a controlled level of liabilities, which is an important factor when assessing the risk of new financing.

💶 USE OF FUNDS
The farmer is applying to the Insoil investor community for working capital financing. The funds will be used for beef cattle care and to cover the farm’s ongoing operating expenses, thereby increasing operational efficiency and the long-term value of the farm.

🔒 LOAN SECURITY
This is not the farmer’s first project on the Insoil platform. A total of two loan agreements have been concluded to date, one of which is currently active and serviced on time.
The new loan will be granted based on the farmer’s personal liability. Loan security is supported by the farm’s stable financial indicators, demonstrating the farmer’s ability to responsibly meet financial obligations. The mixed farming model—combining crop production and livestock farming—contributes to income diversification and provides an additional layer of security for investors.

📈 PROJECT ASSESSMENT
Considering more than five years of experience in the agricultural sector, the stability and diversification of the mixed farming model, the positive net profit achieved in 2024, a sufficient proportion of owned land (15 ha), and a solid asset and capital structure, the project is assessed as a low-to-moderate risk investment opportunity. This investment offers the potential for sustainable returns while contributing to farm development and the growth of the beef cattle 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.