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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.

LT0003257

Goal

15,000 €

Raised

15,000 €

Return rate

13.5%

Rating

B+

Period

Time left

LTV

Country

Lithuania

Loan purpose

Working capital

Business information

Security measures

Loan history

Project owner	Address
Xxxxxx Xxxxxxx Čxxxx	Xxxxxxšxxų x. 8, Xxxxxxxėxxx xxx. Xxxxšxxx xxx. xxx.

header_1	Declared	Owned
Farming land	70.78 ha	0.00 ha

	2024	2023
Revenue	35,225.00 €	33,886.00 €
Net profit	4,704.00 €	20,773.00 €
Equity ratio	49.23%	-

Project description

Documents

Payment schedule

The farmer began agricultural operations in June 2023 and currently cultivates 70.78 hectares of land. The farm is focused on crop production, growing wheat, oilseed rape, beans, and peas. This crop mix ensures diversified production and helps balance both seasonal and market-related risks.

Farming activities are carried out using owned machinery, including two tractors, a combine harvester, and other essential agricultural equipment. Most of the machinery is new: the tractor, cultivator, and sprayer were acquired in spring 2024 with support from a small and medium-sized farm support programme. The seeder, purchased as used equipment earlier this year, is fully adapted to the farm’s operational needs. This technical base enables the farmer to independently perform core field operations and ensures a smooth and efficient production process.

It is important to note that all crops were insured in autumn, providing protection against adverse weather conditions such as extreme rainfall or drought. Crop insurance strengthens the farm’s resilience and supports income stability in the event of unfavourable climatic conditions.

The current financing is intended for working capital purposes, supporting smooth seasonal operations, financial flexibility, and a stable production cycle.

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.