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.

LT0003328

Goal
20,000 €
Raised
20,000 €
100%
Return rate
13%
Rating
A
Period
21
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxx Xxčxxx
Xxxxėx x. xxx., Šxxxėxų xxx., Xxxxxšxxxx, Xxxšėxų x. 5
header_1
Declared
Owned
Dirbama žemė179.53 ha110.00 ha
20242023
Revenue 980,146.00 € 873,732.00 €
Net profit 178,416.00 € 43,458.00 €
Equity ratio 21.47% -
Project description
Documents
Payment schedule
A grain farm located in the Kelmė district has been operating since 2005 and specializes in the cultivation of wheat, rapeseed, and other agricultural crops. The farm’s long operating history reflects the farmer’s accumulated experience and ability to maintain stable and consistent agricultural operations under changing market and climatic conditions.

The farmer’s holdings comprise 179.53 hectares of arable land, of which 110 hectares are owned, while the remaining area is cultivated on other lawful grounds. A significant proportion of owned land forms a solid operational base, supports business continuity, and reduces long-term farming risk.

The farm’s machinery fleet includes a combine harvester, a tractor, a sowing machine, a sprayer, a trailer, and other tillage equipment required for core arable farming operations. The farmer cultivates the land using no-till technology, which helps optimize production costs, preserve soil structure and moisture, and contributes to more sustainable farming practices.

The farmer has applied to InSoil for a loan to be used for settling obligations with suppliers and balancing working capital needs. The purpose of the loan is to ensure the smooth continuation of farm operations and the timely fulfilment of current financial commitments.

It should be noted that this is not the farmer’s first project on the InSoil platform. Previously, eight loan agreements were concluded, four of which have already been repaid in full and on time. This credit history demonstrates the farmer’s financial discipline and responsible approach to financial obligations.

Taking into account the farm’s long operating history, the large cultivated and owned land area, sustainable farming practices, the clear purpose of the loan, and the positive previous cooperation experience, this project may be considered a reliable and moderate-risk investment opportunity for the InSoil investor community.

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.