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.

LT0003308

Goal
15,000 €
Raised
15,000 €
100%
Return rate
13%
Rating
A
Period
24
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxx Xxxxxxčxxxė
Xxxxxų x., Xxxxxxx xxx., Xxxxxxčxšxxų x., Xxxxxxxčxx x 14
header_1
Declared
Owned
Farming land64.26 ha8.00 ha
20242023
Revenue 47,853.00 € 44,501.00 €
Net profit 40,412.00 € 30,460.00 €
Equity ratio 77.52% -
Project description
Documents
Payment schedule
Farm Overview
A mixed farm was established in 2017 in the Zarasai district, combining livestock farming, beekeeping, and berry cultivation. The farm currently keeps 87 sheep, manages 60 beehives, and grows strawberries and blackcurrants on an area of 5 hectares.
The farmer declares a total of 64.26 hectares of cultivated land, of which 8 hectares are owned. This diversified farm structure allows for multiple income streams and reduces dependence on a single agricultural activity.

Technical Base
The farm is equipped with a tractor, a loader, and various small agricultural machinery, ensuring efficient daily operations across crop production, livestock farming, and beekeeping activities.

Growth Plans and Loan Purpose
While the current focus is on farm modernization, the farmer sees clear expansion opportunities. In the coming years, she plans to:
  • expand berry cultivation areas,
  • increase the sheep flock to 100 animals.
For this reason, the farmer has applied to InSoil for a working capital loan, which will be used to support farm expansion and strengthen ongoing operations.

Relationship with InSoil
It is worth noting that this is not the farmer’s first project on the InSoil platform. To date, three loan agreements have been concluded, one of which is currently active. All obligations have been met on time and without delays, demonstrating strong financial discipline.

Summary
This is a well-diversified and steadily developing mixed farm with a clear growth strategy, a reliable repayment history on the InSoil platform, and a balanced income structure. The project offers investors an opportunity to support the sustainable development of a regional farm with long-term potential.

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.