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.

LT0003265

Goal
10,000 €
Raised
10,000 €
100%
Return rate
14%
Rating
B
Period
24
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx xxxxxxxxx
Xxxžų x.xxx., Xxxxxėxxx xxx., Xžxšxxxxx, Xxxxx x. 3
header_1
Declared
Owned
Farming land72.17 ha2.00 ha
20252024
Revenue 33,025.00 € 12,483.00 €
Net profit 22,360.00 € 10,808.00 €
Equity ratio 65.56% -
Project description
Documents
Payment schedule
FARM OVERVIEW
in 2023, a young farmer established a crop farming business in the Biržai district, marking the start of his independent agricultural activity. The farm grows rapeseed, wheat, buckwheat, and other cereal crops, while increasingly applying more sustainable farming practices that improve soil health and reduce production costs.

The farmer currently declares 72.17 hectares of arable land, of which approximately 2 hectares are owned, with the remaining area farmed under lease agreements. Practical farming experience has been gained within the family, as the farmer’s father operates a neighboring crop farm. This provides strong knowledge transfer, technical support, and operational continuity for the young farmer’s business.

TECHNICAL BASE
At this stage, the farm’s machinery base is being gradually developed. The farmer owns a tractor and part of the required cultivation equipment. When necessary, additional machinery support is provided by the family farm, ensuring timely fieldwork without the need for significant upfront investments.

FINANCING PURPOSE
The farmer applied to the InSoil investor community upon the recommendation of his father, who has been using InSoil services for several years and has consistently met all financial obligations on time. The requested loan will be used to increase working capital, enabling the farmer to settle payments with suppliers and land lessors and to ensure smooth continuity of farming operations.

PROJECT ASSESSMENT

The project is assessed as an early-stage but promising investment opportunity, based on:

  • the young farmer’s motivation and active involvement in daily operations,
  • strong family support and transfer of agricultural know-how,
  • a diversified crop structure,
  • the gradual adoption of sustainable farming practices,
  • and a clearly defined working capital need.
This project offers investors an opportunity to support the growth of a young farmer and the development of sustainable crop farming in Lithuania.

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.