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.

LT0003292

Goal
15,000 €
Raised
15,000 €
100%
Return rate
14%
Rating
B
Period
35
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxx Xxxxxxxčxxx
Xxxxxxx x. xxx., Xxxxxx, Xxxxxxėx x. 12-15
header_1
Declared
Owned
Farming land233.87 ha45.00 ha
20242023
Revenue 385,886.00 € 426,764.00 €
Net profit 39,528.00 € 104,200.00 €
Equity ratio 9.39% -
Project description
Documents
Payment schedule
FARM OVERVIEW
The farm owner has been operating in the Alytus district since 2014 and runs a mixed farm focused on cereal production and dairy cattle farming. The total cultivated land area amounts to 233.87 hectares, of which 45 hectares are owned by the farmer.
Approximately 87% of the farm’s income is generated from cereal sales, while the remaining share comes from milk and livestock sales. This diversified income structure contributes to stable and predictable cash flows.

MACHINERY AND DEVELOPMENT
The farm owner consistently invests in the development and modernization of the farm. In 2016, a tractor was acquired under the Lithuanian Rural Development Programme 2014–2020 measure “Support for Investments in Agricultural Holdings,” followed by the purchase of a fertilizer spreader and a sprayer in 2017.
The farm is also implementing no-till farming technologies, which help reduce operating costs, preserve soil quality, and improve long-term sustainability.

LOAN PURPOSE
This is not the farmer’s first project on the InSoil platform. The current loan application is intended to increase working capital in order to ensure smooth ongoing operations and financial stability of the farm.

SECURITY
The loan will be additionally secured by a personal guarantee provided by the farmer’s mother.

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.