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.

LT0003322

Goal
25,000 €
Raised
25,000 €
100%
Return rate
12%
Rating
A+
Period
36
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxxxxxxxxx
Xxėxxx x. 20 Xxxxxxxų x. Xxxxxxxxxx xxx.
header_1
Declared
Owned
Farming land216.67 ha33.00 ha
20242023
Revenue 237,853.00 € 151,500.00 €
Net profit 28,046.00 € 37,236.00 €
Equity ratio 45.87% -
Project description
Documents
Payment schedule
General Information
The farm was established in 2010 in the Kalvarija district. It currently declares 216 hectares of land, of which 33 hectares are privately owned. This is a mixed crop and livestock farm with over 15 years of experience and a stable income structure combining grain and beef cattle production.

Farm Activities
The farm’s operations are mixed – around 80% of income is generated from grain sales and 20% from beef cattle sales. The farm currently keeps 30 beef cattle, part of which are raised for breeding replacement and part for sale. The main crops cultivated are wheat, rapeseed and maize. A portion of the grain is sold on the market, while the rest is used as feed for the livestock. This combined structure enables efficient use of available resources and reduces dependence on price fluctuations within individual sectors.

Farm Management and Sustainability
The farm applies no‑till soil management, maintains crop rotation and ensures balanced fertilisation practices. These methods help preserve soil structure and fertility, reduce fuel and energy consumption, and maintain cost‑efficient, environmentally sustainable production.

Financial Situation and Purpose of the Loan
The requested financing is intended to cover ongoing operational expenses such as fuel, feed, crop protection products and other essential costs required for daily operations. The working capital will ensure operational continuity and a stable production flow until the next harvest season.

Conclusions
The farm in the Kalvarija district operates a well‑balanced mixed production model that combines grain cultivation and cattle farming on a solid land base supported by sustainable management practices. The clearly defined short‑term working capital need ensures business continuity and makes this a reliable, low‑risk investment opportunity from the perspective of potential 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.