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.

LT0003290

Goal
11,000 €
Raised
2,910 €
26%
Return rate
14%
Rating
B
Period
34
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxčxūxxx
Xxxxxėžxx x. xxx., Xxxxxxxšxxx xxx., Xxxūxėxė, 11
header_1
Declared
Owned
Farming land24.43 ha20.00 ha
20242023
Revenue 21,896.00 € 31,605.00 €
Net profit 3,907.00 € 1,653.00 €
Equity ratio 15.76% -

Investment calculator

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Interest

14%

Preliminary earnings

0.00 €

Important:
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Interest rates:
Investing from 100 € - 14%
Project description
Documents
Payment schedule
General Information
The farm was established in 2005 in the Panevėžys district. It currently declares 24 hectares of land, of which 20 hectares are privately owned. This is a small but stable grain farm with over two decades of farming experience.

Farm Activities
The farm specialises in grain cultivation, mainly growing wheat and buckwheat—crops that are in demand both domestically and for export. Land is cultivated using no‑till farming and crop rotation, which helps conserve soil quality, reduce input costs, and maintain stable long‑term yields.

Relationship with InSoil
The farmer has been working with the InSoil platform for several years. A previous €16,000 loan has been fully repaid, and the current loan, with an outstanding balance of approximately €4,000, is planned to be closed in January 2026. This record highlights a steady and responsible approach to long‑term cooperation and loan management.

Financial Situation and Purpose of the Loan
The funding is needed for preparation for the 2026 season—mainly for the purchase of seeds, fertilizers and crop protection products. The working capital requirement is linked to the upcoming production cycle and directly supports future harvest potential, meaning the financing is aimed at maintaining productivity rather than covering past liabilities.

Conclusions
This is an experienced arable farmer operating sustainably on a predominantly owned land base. The ongoing relationship with the InSoil platform and clearly defined working capital need demonstrate responsible farm management and well‑grounded reasoning for additional financing to support the continuity and growth of production activities.

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.