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.

LT0003299

Goal
25,000 €
Raised
25,000 €
100%
Return rate
10%
Rating
A+
Period
18
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxūxxx Xxxxxxxxxčxxx
Xxxxųxų Žxxxxxų x. 2, Žxxxxxų x., Xxxxx xxx. Xxxxxxx xxxxxx xxx.
header_1
Declared
Owned
Farming land142.90 ha52.00 ha
20242023
Revenue 220,313.00 € 201,418.00 €
Net profit 31,057.00 € 55,061.00 €
Equity ratio 68.76% -
Project description
Documents
Payment schedule
General Information
The farm was established in 2001 in the Alytus District and currently declares 142 hectares of land, of which 52 hectares are privately owned. This is a long‑standing mixed family farm that successfully combines dairy and crop production, maintaining a balanced and stable income structure.

Farm Activities
The farm operates as a mixed enterprise, with approximately 65% of income coming from milk production and 35% from grain sales. It currently keeps 60 dairy cows, with a plan to expand the herd to 80 cows by 2026 to increase productivity and efficiency. The main crops grown are wheat, barley and maize. Part of the grain harvest is sold, while the rest is used as feed, creating a largely closed production cycle that lowers input costs and ensures consistent milk quality.

Farm Management Practices
Crop rotation and sustainable land‑use practices are applied on the farm, optimising soil fertility and resource efficiency. The combined structure of crop and livestock activities helps balance seasonal variations and market risks, ensuring long‑term operational stability.

Financial Situation and Purpose of the Loan
The requested financing is intended to cover ongoing operational expenses such as fuel, feed, veterinary services, and other necessary inputs to maintain daily farm operations. The funds will ensure uninterrupted production and stable milk output while supporting the farm’s planned herd expansion in the near future.

Conclusions
The farm in the Alytus District is a well‑established, reliable mixed production enterprise with a strong land base and balanced crop‑livestock structure. The clearly justified need for working capital to cover operational costs supports stable performance and continuous production, making this a sound and low‑risk financing opportunity for investors.

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.