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.

LT0003324

Goal
12,000 €
Raised
9,731 €
81%
Return rate
14%

Rating
B+

Period
33

Time left

LTV
-

Country
Lithuania

Loan purpose
Equipment purchase

Business information
Security measures
Loan history
Project owner
Address
Žxxxūxxx Xxxxxx
Xxšxčxų x. 5, Xxšxčxxx, Xxxxxxxxx x.
header_1
Declared
Owned
Dirbama žemė56.92 ha1.10 ha
20242023
Revenue 29,403.13 € 16,653.91 €
Net profit - -
Equity ratio - -

Investment calculator

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

14%

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 € - 14%
Project description
Documents
Payment schedule
General Information

The farm was established in 2023 in the Kretinga district after taking over the operations from the farmer’s father. It currently declares 57 hectares of land, of which 1.10 hectares are privately owned. This is a young arable farm continuing the family farming tradition while implementing modern and sustainable land‑management practices.

Farm Activities

The farm specialises in grain production, mainly winter wheat, winter rapeseed, spring barley, and peas. The selected crop structure ensures proper crop rotation and a balanced approach to managing yield and price volatility risks. Land is cultivated using no‑till methods, which provide environmental benefits such as reduced soil erosion, lower fuel consumption, and improved soil structure and fertility over time.

Relationship with InSoil

The farm already has an active partnership with InSoil. The farmer currently holds an existing loan with an outstanding balance of €2,300. Payments are made according to schedule, reflecting consistent cooperation and responsible financial management.

Financial Situation and Purpose of the Loan

The purpose of the new financing is to purchase additional agricultural equipment and prepare farm machinery for the upcoming 2026 season. This investment will improve the efficiency of soil preparation, sowing, and crop maintenance operations, supporting continuous and stable production performance during the spring farming period.

Conclusions

This is a young but well‑managed farm that builds upon the experience inherited from family farming traditions while applying modern production principles. The planned investment in equipment acquisition and machinery readiness directly enhances the farm’s operational efficiency and production capability. With a sustainable approach to land cultivation and a proven partnership with InSoil, the farm demonstrates strong growth potential and reliable investment fundamentals.

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.