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.

LT0003283

Goal
20,000 €
Raised
20,000 €
100%
Return rate
12%
Rating
A
Period
23
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxšxxxxxč
Xxxxxxx 12, Xxxxxxxxų xxx., Xxxxxxxx x.
header_1
Declared
Owned
Farming land225.34 ha24.00 ha
20242023
Revenue 107,175.00 € 96,512.00 €
Net profit 10,108.00 € 31,482.00 €
Equity ratio 35.95% -
Project description
Documents
Payment schedule
General information
The farm was established in 2013 in the Vilnius district and currently declares 225 hectares of land, 24 hectares of which are privately owned. It is a medium‑sized arable farm with more than a decade of operational experience and a consistently developed land structure.

Farm activities
The farm is engaged in crop production, mainly growing wheat, buckwheat, oats and peas, which provides a diversified cropping structure and reduces dependence on the price fluctuations of a single crop. Land is cultivated using no‑till practices and crop rotation, helping to preserve soil structure, reduce erosion risk and maintain long‑term soil fertility.

Financial situation and purpose of the loan
The requested financing is intended for working capital – primarily to prepare for the upcoming season by purchasing seeds, fertilizers and other production inputs. The loan is directly linked to financing the next production cycle and future harvests, rather than covering legacy debts, which ties repayment capacity to the farm’s core revenue‑generating activities.

Conclusions
The farm in the Vilnius district is an experienced arable operation applying no‑till cultivation and crop rotation and supported by a base of privately owned land, which contributes to overall stability. The working‑capital need for seasonal preparation is rational and closely connected to income generation from future crops, making the requested financing a well‑founded step towards maintaining sustainable farm operations.

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.