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.

LT0003301

Goal
25,000 €
Raised
25,000 €
100%
Return rate
11%
Rating
A+
Period
24
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Žxxxxxxx Xxxxxxxxxx
Xxxxxxxx x., Xxžxxxxx xxx. Xxxxxčxų x.
header_1
Declared
Owned
Farming land171.39 ha88.00 ha
20242023
Revenue 366,610.00 € 264,204.00 €
Net profit 88,091.00 € 42,823.00 €
Equity ratio 62.74% -
Project description
Documents
Payment schedule
General Information
The farm was established in 2004 in the Jurbarkas district. It currently declares 171 hectares of land, of which 88 hectares are privately owned. This is a mature, long‑established family farm that successfully combines livestock and crop production.

Farm Activities
The farm operates as a mixed enterprise, with around 70% of income derived from milk production and 30% from grain sales. There are currently 80 dairy cows, and plans for 2026 include expanding the herd to 110 cows to reach optimal production efficiency. The main arable crops grown are wheat, barley and maize, part of which is sold as grain while another part is used as feed for the livestock. This integrated crop‑livestock system enables efficient resource use, internal feed security and reduced dependency on external market factors.

Relationship with InSoil and Repayment Discipline
The farmer is a long‑standing and reliable partner of InSoil, having successfully repaid a €13,000 loan in 2024 without a single repayment delay. This demonstrates strong financial discipline and a proven repayment track record.

Financial Situation and Purpose of the Loan
The farm is currently investing in the expansion of its dairy facilities. The requested financing is needed to complete an ongoing construction project for new cattle housing. The construction is in its final stage, and the additional funds will ensure the project is finished smoothly without disruption to ongoing operations. Completion of the facility will support herd expansion, improve production efficiency and enhance animal welfare as well as milk quality consistency.

Conclusions
This is a stable mixed farm with a solid land base, an excellent credit history and a clear growth trajectory. Financing for the completion of the livestock facilities is a strategically justified investment directly linked to increasing milk production volumes and long‑term income potential. The borrower’s strong repayment discipline and extensive farming experience make this project financially secure and attractive to 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.