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.

LT0003248

Goal
15,000 €
Raised
15,000 €
100%
Return rate
13%
Rating
B+
Period
36
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Project owner
Address
Xxxxxx Xxxxxxxxx Xxxxxxxxxxxx
Šxxxxxų x. xxx., Xxxxxžxų xxx., Xxxxxxčxxx, Xxxxxxčxų x.
header_1
Declared
Owned
Farming land5.16 ha5.08 ha
20242023
Revenue 103,597.00 € 255,031.00 €
Net profit 8,673.00 € 157,099.00 €
Equity ratio 81.99% -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
🧑‍🌾 FARM DESCRIPTION
The alpaca and beef cattle farm, established in 2013 in the Šiauliai district, operates a mixed livestock production model focusing on both alpaca and beef cattle breeding. The farmer currently declares 5.16 ha of agricultural land, of which 5.08 ha are owned. Although the officially declared area is relatively small, the farmer additionally maintains the fields of nearby residents — mowing grass for feed and helping to maintain surrounding land — which effectively expands the farm’s feed base and resource utilization.

The farm is managed by a single owner, who has all the necessary equipment for daily operations: two tractors, grass-handling machinery, feed preparation equipment, a trailer, and other essential implements. The farm currently keeps 30 beef cattle, and the herd is gradually expanding each year.

📊 FINANCIAL RESULTS (2024)
According to the submitted financial statements, the farm demonstrates stable and sustainable performance:
  • Sales revenue – €103,597
  • Net profit – €8,673
  • Total assets – €327,599
  • Equity – €280,894
These indicators reflect solid financial resilience, low liabilities, and a balanced operational structure.

💶 PURPOSE OF FINANCING
The farmer is applying to the Insoil investor community for working capital financing. The funds will be used to:
  • cover beef cattle maintenance expenses,
  • finance essential operating costs,
  • support ongoing herd expansion and strengthen long-term farm value.
The investment will help ensure a smooth operational cycle and stable development of the farm.

📈 PROJECT ASSESSMENT
The project is considered a low-risk investment opportunity, based on:
  • consistent farm operation since 2013,
  • strong asset and equity position,
  • positive net profit in 2024,
  • adequate technical capacity and diversified activity model,
  • a steadily growing beef cattle herd and increasing production potential.
This project offers investors a reliable opportunity to support a responsibly managed farm with clear long-term growth prospects.

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.