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.

LT0003275

Goal
27,500 €
Raised
27,500 €
100%
Return rate
13%
Rating
B
Period
36
Time left
LTV
76%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxxx Xxxxxxxxx
Šxšxxėx x. 32, Xxxxčxxxxxx, Xxxxxxxxxxėx x.
header_1
Declared
Owned
Farming land74.65 ha21.11 ha
20242023
Revenue 80,049.00 € 112,830.00 €
Net profit -11,513.00 € -3,291.00 €
Equity ratio 40.54% -
Project description
Documents
Payment schedule
General information
The farm was established in 2014 in the Marijampolė district and currently declares 74 hectares of land, 21 hectares of which are privately owned. The farmer has more than a decade of combined experience in both agricultural and related business activities, which strengthens management and planning capacity.

Farm activities
The farm is engaged in crop production, mainly growing wheat and maize, with land cultivated using no‑till practices and fertilised with organic manures, which improves soil structure and fertility over time. This combination of reduced tillage and organic fertilisation supports more sustainable production while maintaining yield potential and product quality.

Diversified business model and logistics
In addition to farming, the farmer operates a logistics business, owning 3 trucks and 3 tipper semi‑trailers used for transporting bulk cargoes across Europe, with employed drivers performing the transport work. Income from logistics is roughly similar to that from farming, which means the overall business model is diversified between agriculture and transport, helping to spread risk and increase financial resilience.

Financial situation and 2024 results
Due to unfavourable weather conditions, 2024 was a challenging year: yields were lower and market prices for agricultural products were weaker, resulting in an accounting net loss of around EUR 11,000. However, during the same period the farm recorded approximately EUR 55,000 of depreciation on long‑term assets, so the loss is largely “on paper”, while the actual cash flow from operations remains positive at about EUR 43,000, indicating that the farm’s liquidity and cash‑generation capacity are still sound.

Purpose of the loan
The requested financing is intended for working capital – primarily to prepare for the next season (seeds, fertilizers and other crop inputs) as well as fuel for both farm machinery and logistics operations. The loan is therefore aimed at securing the upcoming production cycle and supporting normal operations after a difficult year, rather than covering legacy debts, which strengthens the business continuity perspective.

Conclusions
This Marijampolė district farm operates a diversified model combining crop production and a logistics business, supported by partially owned land and sustainable soil‑management practices. Although an accounting net loss was recorded in 2024, the high level of depreciation means real cash flows remain positive, so working capital financing for the next season appears justified and directed towards maintaining and developing both the farming and logistics activities in a stable way.

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.