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.

LT0003302

Goal
76,000 €
Raised
28,130 €
37%
Return rate
13%
Rating
B
Period
48
Time left
LTV
35%
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxx Šxxxxxxxė
Xxxxxxx x. 3, Xxxxxxx Xūšxxxxx, Xxxxxx x. xxx.
header_1
Declared
Owned
Farming land96.97 ha37.72 ha
20242023
Revenue 204,040.00 € 176,680.00 €
Net profit 100,726.00 € 71,192.00 €
Equity ratio 33.08% -

Investment calculator

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Interest

13%

Preliminary earnings

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Important:
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Interest rates:
Investing from 100 € - 13%
Project description
Documents
Payment schedule
A mixed dairy and crop farming operation located in the Skuodas district, which the farmer took over from her parents in 2018, is currently being developed with a focus on ensuring long-term operational continuity and financial stability. The farmer currently declares 96.97 hectares of agricultural land, of which 37.72 hectares are owned. The farm operates in close cooperation with her husband’s farm, with the family collectively managing approximately 165 hectares of land. This structure allows for more efficient work planning, shared use of technical resources, and optimisation of production processes.

The farm’s activities are focused on dairy farming and crop production. Wheat, barley, and perennial grasses are cultivated, with part of the output sold on the market and the remainder used for on-farm feed production. The farm currently maintains 59 dairy cows, providing a stable and continuous source of production and income. This diversified operational model helps balance cash flows and reduces reliance on a single revenue stream.

Farming operations are supported by a broad and functional machinery base, including tractors, a seeder, baler, slurry tanker, feed mixer, manure spreader, cultivator, sprayer, mowing and hay-making equipment, as well as transport vehicles. The existing technical infrastructure enables most farming activities to be carried out independently, reducing the need for external services and allowing greater control over day-to-day operating costs.

In the recent period, the farm has experienced increased financial pressure, resulting from a combination of factors such as seasonality, rising operating costs, and timing mismatches between revenue inflows and financial obligations. As a result, some previous financial commitments were not serviced according to the originally planned schedule. The current financing is intended for refinancing purposes, aiming to consolidate existing liabilities, restore a balanced repayment structure, and enable the farm to return to a stable operating rhythm.

The farm is built on a solid production foundation, supported by accumulated family farming experience, a substantial land and livestock base, and well-developed technical infrastructure. Refinancing is viewed as a transitional solution, allowing the farm to establish stronger financial footing and ensure the continuity of its operations going forward.

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.