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.

LT0003291

Goal
20,000 €
Raised
18,836 €
94%
Return rate
12%
Rating
A
Period
35
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxxx Xxxxšxxxx
Xxxxxxxx x. xxx., Xxxxxxxx xxxxxxxxų xxx., Xxxxxxxx, Šxxxxxų x. 1
header_1
Declared
Owned
Dirbama žemė131.05 ha28.00 ha
20242023
Revenue 229,636.00 € 133,779.00 €
Net profit 54,839.00 € 41,442.00 €
Equity ratio 29.67% -

Investment calculator

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Interest

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Interest rates:
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Project description
Documents
Payment schedule
FARM OVERVIEW
The farm owner has been engaged in agriculture since 2012. He gained hands-on experience from an early age by helping on his father’s farm. Currently, he manages a 131.05 ha crop farm, of which 28 ha are owned by him. The farm is continuously expanding, with the total family-operated land area reaching approximately 200 ha.
The main crops grown are wheat and oilseed rape. Since last year, the farmer has introduced no-till farming practices, which help reduce fuel consumption, preserve soil structure, and improve the long-term sustainability of the farm.

MACHINERY AND INFRASTRUCTURE
The farm’s machinery fleet includes:
  • three tractors,
  • a combine harvester,
  • additional agricultural implements.
The farm is also equipped with a mobile grain dryer and two grain silos located on-site, allowing storage of up to 200 tonnes of produce. An additional 100 tonnes of grain are stored in an open yard, accounting for nearly half of the total harvest. This infrastructure enables the farmer to store crops after harvest and sell them later when market prices are more favorable.

PURPOSE OF FINANCING
The farmer has applied to InSoil for a working capital loan. The loan proceeds will be used to:
  • settle payments with suppliers,
  • purchase fuel,
  • cover fertilizer costs and other operating expenses.
This financing will ensure smooth day-to-day operations and stable preparation for the upcoming season.

COOPERATION HISTORY WITH INSOIL
It is important to note that this is not the farmer’s first project on the InSoil platform. Since 2022, three loan agreements have been concluded, all of which were fully repaid on time. This demonstrates the farmer’s reliability and responsible approach to financial obligations.

INVESTMENT SUMMARY
This project stands out due to:
  • more than 10 years of farming experience,
  • a growing and well-managed family farm,
  • modern machinery and solid grain storage infrastructure,
  • the implementation of sustainable no-till farming practices,
  • a proven and positive credit history on the InSoil platform.
The project offers investors an opportunity to support a stable, experienced, and responsibly managed crop farm with strong long-term potential.

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.