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.

LT0003286

Goal
12,300 €
Raised
12,300 €
100%
Return rate
13%
Rating
A+
Period
33
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxxxūxxx
Xxxxx x. 67 - 38, Xxxxxėžxx
header_1
Declared
Owned
Farming land28.81 ha6.50 ha
20242023
Revenue 22,464.65 € 20,990.20 €
Net profit - -
Equity ratio - -
Project description
Documents
Payment schedule
General information
The farm was established in 2022 in the Panevėžys district. It currently declares almost 29 hectares of land, of which 6.50 hectares are privately owned.

Development and experience
Since childhood, the farmer has been working on his grandparents’ and later his parents’ farms, gaining extensive hands‑on experience in agriculture. After inheriting the homestead, he decided to establish his own farm, building on accumulated knowledge and continuously improving skills in this demanding yet rewarding sector. The farm was officially registered at the beginning of 2022. Initially, a mixed farm model was considered, but after assessing financial capacity, geopolitical context and other risks, the decision was made to focus on crop production. At the same time, the farmer clearly sees the potential of livestock farming and, once financial and technical resources are strengthened, considers it a realistic and profitable direction for future expansion.

Farm activities
At present, the farm mainly grows wheat, pumpkins and potatoes. These crops allow the farmer to optimise the cropping structure, make efficient use of available land resources and build a clear, more predictable revenue stream.

Financial situation and purpose of the loan
This is a young farm in an active growth phase, and the requested financing is needed to prepare for the upcoming season – to purchase seeds, fertilizers, crop protection products and cover other essential input costs. The loan is directly linked to financing the next production cycle and future harvest, meaning that the funds are aimed at supporting productive activity rather than covering legacy obligations.

Conclusions
The farm is managed by a motivated farmer with strong practical experience gained in family farms and a clear focus on crop production. The decision to concentrate on arable farming, while keeping the option open to expand into livestock in the future, reflects a conscious and risk‑aware development strategy. The requested working capital financing is closely tied to scaling up production and ensuring a successful start of the next season, making this project a grounded and forward‑looking opportunity from an investor’s perspective.

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.