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.

LT0003327

Goal
16,500 €
Raised
16,500 €
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
Ūxxxxxxxx (-ė) Xxxxx Xxxxšxė
Xxxxxų x., Xxxxšxxx x.
header_1
Declared
Owned
Dirbama žemė71.08 ha10.00 ha
20242023
Revenue 37,719.55 € 34,833.22 €
Net profit - -
Equity ratio - -
Project description
Documents
Payment schedule
General Information
The farm was established in 2023 in the Rokiškis District. It currently declares 71 hectares of arable land, of which 10 hectares are privately owned.

Farm Activities
The farm applies no-till farming and crop rotation, using modern machinery to ensure sustainable practices. Main crops grown are wheat, rapeseed, barley, and oats.

Transition to Organic Farming
From 2026, the farm plans to switch to organic production. It intends to grow buckwheat, peas, clover, and oats, expanding the range of organic products and increasing added value.

Family Involvement and Guarantees
The farmer’s family is actively involved in operations. A separate farm is managed by the farmer’s husband, who will act as guarantor for this project and cultivates over 200 hectares (65 hectares owned). Another separate farm is managed by the husband’s mother, who also farms more than 200 hectares, with over 100 hectares owned. In total, the family manages more than 500 hectares of arable land, over 200 hectares of which are privately owned, demonstrating a strong land base and solid experience.

Purpose of Financing
The requested financing is intended for working capital needs: mainly fertilizers, fuel, payments for services, and other operating expenses. This will support smooth seasonal operations and a stable transition towards planned organic production.

Summary
This is a promising young farm backed by a strong farming family and substantial jointly managed land resources. The planned move to organic farming and prudent financial planning make this project an attractive opportunity for long-term oriented 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.