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.

LT0003273

Goal
20,000 €
Raised
20,000 €
100%
Return rate
12%
Rating
A
Period
24
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxx Xxxxxxxxxxxx
Xxxxxxxxxxėx xxx., Xxxxxų xxx., Xxšxxčxxx, Xxxxx x. 11
header_1
Declared
Owned
Dirbama žemė196.27 ha40.00 ha
20242023
Revenue 562,223.00 € 279,483.00 €
Net profit 54,208.00 € 67,252.00 €
Equity ratio 36.68% -
Project description
Documents
Payment schedule
FARM OVERVIEW
The project owner has been engaged in agricultural activity since 2007 and currently operates a crop farming business in the Marijampolė district. The total declared agricultural land area amounts to 196.27 hectares, of which 40 hectares are owned by the farmer, while the remaining land is cultivated under lease agreements. The farm has been developed consistently with a focus on efficient and sustainable crop production.

CROPS AND FARMING PRACTICES
The farm primarily grows wheat and rapeseed, which are well-established and stable income-generating crops. Since last year, the farmer has introduced no-till farming technology, aimed at reducing fuel consumption, improving soil structure, and increasing long-term farm efficiency. This approach aligns with sustainable agriculture principles and contributes to optimized operating costs.

MACHINERY AND INFRASTRUCTURE
The farm is equipped with two tractors, a combine harvester, and other essential agricultural implements, enabling the farmer to independently and timely carry out all key field operations. The existing machinery base supports efficient management of a large cultivated area.

PURPOSE OF FINANCING
The farmer is applying to the Insoil investor community for a loan to increase working capital. The funds will be used for settlements with suppliers and financing day-to-day farm operations, ensuring smooth business continuity and proper preparation for the upcoming season.

PROJECT ASSESSMENT
The project is assessed as a clearly structured crop farming investment opportunity, supported by a large cultivated land area, market-demanded crops, and the implementation of sustainable farming practices. The adoption of no-till technology enhances operational efficiency and contributes to the farm’s long-term stability.

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.