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.

LT0003250

Goal
15,000 €
Raised
15,000 €
100%
Return rate
13%
Rating
A+
Period
36
Time left
LTV
-
Country
Lithuania
Loan purpose
Farm buildings purchase/construction
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxxxxx
Xxxxxų x., Xxxxxxxx xxx., Xxxxxxxx xxx.
header_1
Declared
Owned
Farming land64.09 ha30.00 ha
20242023
Revenue 83,124.00 € 43,199.00 €
Net profit 2,894.00 € -34,226.00 €
Equity ratio 48.47% -
Project description
Documents
Payment schedule
General information
The farm was established in 2007 in the Pakruojis District. It currently declares 64 hectares of arable land, of which 30 hectares are privately owned.

Farm activities
The farm applies no‑till farming and crop rotation, with all field operations performed using modern machinery. It grows grain crops – wheat, rye and oats – as well as vegetables, mainly potatoes, ensuring a broad and high‑quality product range.

Family involvement and scale
Next to it operates the farmer’s mother’s holding, established in 1996, with close family cooperation between the farms. Together, the family declares more than 320 hectares of arable land, of which over 100 hectares are owned, demonstrating a strong land base and long‑term farming experience.

Relationship with InSoil and repayment discipline
The farm already has one active loan through InSoil, with an outstanding balance of 10,000 euros. All repayments are made on time without delays, which reflects strong payment discipline and a reliable borrower profile.

Purpose of financing
The new financing is intended for the acquisition of buildings – storage facilities – from a neighbouring farm. The purchase of these warehouses will improve storage conditions, increase logistical efficiency and add to the farm’s long‑term asset base, enhancing overall farm value.

Conclusions
This is a medium‑sized farm backed by a strong farming family, operating with sustainable practices and modern machinery. Its flawless repayment record and the planned investment into storage infrastructure make the project attractive and well‑grounded for investors seeking stable long‑term returns.

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.