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.

LT0003304

Goal
51,000 €
Raised
13,897 €
27%
Return rate
12%
Rating
B
Period
35
Time left
LTV
89%
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxx Xxxxxxx
Xxxxxxxxx x., Xxxxxxėxų xxx., Xxxūxxx, Xxxxxx x. 40
header_1
Declared
Owned
Farming land141.76 ha92.00 ha
20242023
Revenue 253,800.00 € 361,130.00 €
Net profit 50,679.00 € 103,694.00 €
Equity ratio 71.81% -

Investment calculator

Pick one of the suggested or type in your own amount to see interest rate and preliminary earnings.
Interest

12%

Preliminary earnings

0.00 €

Important:
The calculator provided is preliminary and the projected earnings are determined based on the preliminary principal repayment schedule.
Interest rates:
Investing from 100 € - 12%
Project description
Documents
Payment schedule
PROJECT OVERVIEW
We invite you to invest in a loan for a crop farming business located in the Ignalina district. The farm has been operating for more than 11 years and is being consistently developed together with family members. The farmer currently declares 141.76 hectares of land, of which 92 hectares are owned. The total land area cultivated by the family farm amounts to approximately 500 hectares, demonstrating a strong operational scale and extensive regional experience.

FARMING ACTIVITIES AND CROPS
The farm is engaged in crop production. The main crops grown include:
  • wheat,
  • oilseed rape,
  • peas,
  • other cereal and legume crops.
The farmer applies crop rotation, grows cover crops, and cultivates the land using no-till farming practices, which help to:
  • reduce fuel and labor costs,
  • improve soil structure,
  • enhance farm sustainability and long-term productivity.

MACHINERY AND TECHNICAL BASE
The farm is fully equipped with all essential machinery required for independent and efficient operations:
  • a combine harvester,
  • two tractors,
  • a seed drill,
  • a sprayer,
  • a trailer,
  • other tillage equipment.
This machinery base enables the farm to carry out all key agricultural operations on time without reliance on external service providers.

PURPOSE OF THE LOAN
The loan proceeds will be used for:
  • refinancing existing loans, improving cash flow management,
  • supplementing working capital, ensuring smooth day-to-day farm operations.

LOAN SECURITY
The loan is secured by a mortgage over 13 land plots, providing a strong collateral base and additional security for investors.

PROJECT ASSESSMENT
This project stands out due to:
  • long-term farming experience,
  • a significant share of owned land,
  • a large-scale family farm (approximately 500 hectares),
  • the application of modern and sustainable farming practices,
  • a clear loan purpose and reliable collateral structure.
This represents an attractive investment opportunity in a stable, experienced, and sustainably managed crop farm.

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.