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.

LT0003264

Goal
25,000 €
Raised
25,000 €
100%
Return rate
14%
Rating
A
Period
12
Time left
LTV
-
Country
Lithuania
Loan purpose
Equipment purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxxxxxxxūxė
Xxxxxėx x. xxx., Xxxxxxxx xxx., Xxxxxxčxxx, Xxxxxų x. 15
header_1
Declared
Owned
Farming land146.00 ha1.50 ha
20242023
Revenue 119,601.00 € 46,733.00 €
Net profit 54,939.00 € 10,104.00 €
Equity ratio 57.18% -
Project description
Documents
Payment schedule
General information
The farm was established in 2021 in the Plungė district and currently declares 146 hectares of land, of which 1.50 hectares are privately owned. The business is focused on livestock production, specifically sheep farming, and the entire organisation of activities is built around herd development and feed base security.​

Farm activities
Most of the declared area consists of permanent grassland, while around 12 hectares are arable land where mainly forage crops – grass for hay and silage – are grown to cover feed needs throughout the year. In addition, protein crops such as peas, vetch and oats are cultivated to balance the animals’ diet and reduce dependence on purchased protein feed. At present, the farm keeps about 250 ewes together with young replacement females that are expected to become breeding ewes in 2026, and in the previous season the total flock with offspring reached around 650 head. The long‑term plan is to expand the flock to 500 ewes, with the interim objective of increasing the number of ewes to 300 by 2026, thus gradually scaling up production.

Machinery base and investments
The farm’s technical needs are closely linked to forage preparation and handling: the requested financing is intended to complete payments for equipment purchased from Dotnuva Baltic, namely a round baler, a feed distributor and a bale trailer. This machinery will enable the farmer to prepare and distribute feed independently and efficiently, reduce labour costs and ensure better control of feed quality, which is critical for a growing sheep flock.

Financial situation and purpose of the loan
The loan funds are needed to settle the remaining payments for the above‑mentioned machinery without putting excessive pressure on working capital, thus completing the planned investment package. The investment in a round baler, feed mixer/distributor and bale trailer is directly linked to the planned expansion of the sheep flock and increase in production volumes, meaning that the financing is aimed at strengthening income‑generating capacity rather than merely covering operating expenses.

Conclusions
This is a young but rapidly developing specialised sheep farm with a clear growth strategy and a consistent focus on strengthening forage preparation and logistical capacity. The investment into forage‑related machinery fully supports the planned increase in the number of ewes to 300 and later to 500, making the requested financing a well‑grounded step towards long‑term capacity building and income growth of the farm.

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.