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.

LT0003262

Goal
20,000 €
Raised
20,000 €
100%
Return rate
12%
Rating
A
Period
12
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxx Xxxšxxxx
Xxxžų x. xxx., Xxxxxžėx xxx., Xxxxxžė, Xxxėxų x.
header_1
Declared
Owned
Farming land513.16 ha130.00 ha
20242023
Revenue 895,931.00 € 1,100,747.00 €
Net profit 30,355.00 € 14,437.00 €
Equity ratio 44.98% -
Project description
Documents
Payment schedule
FARM OVERVIEW
The project owner has been farming since 2005 and currently operates a 513.16 ha arable farm in the Biržai district. The farm has been consistently expanding, with the total land area managed by the family exceeding 600 ha, demonstrating a long-term growth strategy and economies of scale. Out of the declared land, 130 ha are owned by the farmer, while the remaining area is cultivated under lease agreements, ensuring a stable and sizeable operational base.

CROPS AND FARMING PRACTICES
The main crops grown on the farm are wheat and oilseed rape, which constitute the core of the farm’s production and revenue. Since last year, the project owner has introduced no-till farming practices, reducing fuel consumption, improving soil structure, and increasing long-term operational efficiency. This approach aligns with sustainable agriculture principles and contributes to cost optimization.

MACHINERY AND INFRASTRUCTURE
The farm is equipped with several tractors, two combine harvesters, and various agricultural implements, allowing all key field operations to be carried out independently and efficiently. In addition, the farm has grain drying facilities and on-site storage silos, enabling harvested crops to be stored and sold at more favorable market prices.

FINANCING PURPOSE
The project owner is applying for a €20,000 loan through the Insoil investor community to increase working capital. The funds will be used to support ongoing farm operations and manage seasonal cash-flow needs, ensuring a smooth and uninterrupted production cycle.

INSOIL LOAN HISTORY
The farmer has entered into three loan agreements on the Insoil platform, two of which are currently active. All loan obligations have been serviced on time and without delays, demonstrating a high level of financial discipline and reliability.

PROJECT ASSESSMENT
Considering over 19 years of farming experience, a large and stable land base, partial land ownership, ongoing modernization of machinery, the implementation of sustainable no-till practices, and an impeccable repayment history on the Insoil platform, the project is assessed as a reliable low-to-medium risk investment opportunity, suitable for investors seeking stable and predictable returns in the agricultural sector.

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.