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.

LT0003261

Goal
25,000 €
Raised
25,000 €
100%
Return rate
12%
Rating
A+
Period
22
Time left
LTV
-
Country
Lithuania
Loan purpose
Equipment purchase
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxxxxx Xxxxxxxxxxx
Šxxxxxxxžėx x., Xxxxxxxx xxx., Xėxxxxxų xxx.xxx.
header_1
Declared
Owned
Dirbama žemė120.87 ha5.00 ha
20242023
Revenue 138,924.00 € 151,969.00 €
Net profit 49,004.00 € 25,795.00 €
Equity ratio 43.29% -
Project description
Documents
Payment schedule
General information
The farm was established in 2015 in the Kėdainiai district. Relying on more than 10 years of accumulated agricultural experience, the farmer currently declares 120 hectares of land, of which 5 hectares are privately owned.

Farm activities
The farm grows wheat, rapeseed and peas, ensuring a high‑quality product portfolio that is well‑positioned in the market. The harvest is sold to reliable buyers such as UAB “Žvalguva”, AB “Linas Agro” and UAB “Agrochema”, which secures stable sales channels and predictable cash flows for the farm.

Machinery base and family involvement
The machinery fleet consists of two reliable tractors, a combine harvester, a seed drill, a cultivator and other smaller implements, allowing all tillage, sowing and harvesting operations to be performed efficiently using no‑till or reduced‑tillage practices. During the harvesting period, the farmer is actively assisted by his son, which helps ensure timely and high‑quality work and increases the overall reliability of farm operations.

Relationship with InSoil and purpose of the loan
This is not the farmer’s first project via the InSoil platform – currently there are two active loans with a combined outstanding balance of around EUR 11,000, and all payments are made on time. Both of these small loans are planned to be fully repaid before disbursement of the new loan, so the additional obligation will be taken on from a relatively clean debt position. The purpose of the new financing is the purchase of a used 2005 combine harvester, which will strengthen the farm’s harvesting capacity, reduce dependence on contracted services and increase operational security during the harvest period.

Conclusions
This is a steadily developing arable farm with clear sales channels, a solid machinery base and good credit discipline. The planned investment into an additional combine harvester will further improve harvesting efficiency, lower operational risks and support sustainable growth of farm capacity, making the project attractive and well‑justified from an investor’s perspective.

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.