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.

LT0003254

Goal
21,600 €
Raised
21,600 €
100%
Return rate
10.5%
Rating
A+
Period
36
Time left
LTV
70%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxx Xxxxxxx
Xxxxxxxxčxx x. 25, Xxxxxxxx x., Xxxšxxxxxxų xxxxxxxėx xxx., Xxxšxxxxxxų xxxxxx xxx.
header_1
Declared
Owned
Farming land139.32 ha19.61 ha
20242023
Revenue 176,834.00 € 181,823.00 €
Net profit 27,055.00 € 30,521.00 €
Equity ratio 21.74% -
Project description
Documents
Payment schedule
The farmer, who began agricultural operations in 2014, currently cultivates 139.32 hectares of land, of which 19.61 hectares are owned. The farm is specialised in crop production, growing wheat, oilseed rape, peas, and beans. This diversified crop structure helps balance production risks and ensures stable market opportunities.
All farming activities are carried out using owned machinery, including two tractors, a combine harvester, a truck, and other necessary implements. The existing technical base enables the farmer to independently perform all key agricultural operations and efficiently manage the production process without reliance on external service providers.

Loan Portfolio and Credit Discipline
The farmer has an active and positive loan history, demonstrating consistent and responsible cooperation with investors.
To date, a total of approximately €37,500 in financing has been raised through the platform.
 Out of this amount:
  • 2 loans have been fully repaid,
  • 2 loans are currently active and performing according to schedule,
  • the remaining outstanding principal amounts to approximately €7,550,
  • there are no overdue payments,
  • calculated overdue amount is €0.
Over the course of cooperation, investors have already received more than €6,950 in interest payments, with all interest and principal instalments paid on time and in accordance with the agreed repayment schedules. Any historical delays were minimal and temporary, and no delays are currently recorded.
These indicators clearly demonstrate the farmer’s strong credit discipline, ability to manage cash flows effectively, and commitment to meeting financial obligations.

Purpose of the Loan
The current financing is intended for working capital purposes. The loan will support smooth seasonal operations, ensure sufficient liquidity, and maintain a stable production cycle, taking into account the seasonality inherent in agricultural activities and the timing of revenue generation.

Conclusion
The farm is characterised by long-term operational experience, a clear crop production focus, sufficient technical capacity, and a proven loan repayment track record. The farmer’s disciplined approach to financial obligations, timely interest payments, and successful repayment of previous loans provide a solid foundation for continued financing.

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.