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.

LT0003329

Goal
35,000 €
Raised
20,440 €
58%
Return rate
13%
Rating
B
Period
35
Time left
LTV
41%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxxxxx Xxxxxxx
Xxxxšxxx x. xxx., Šxxxxxų xxx., Šxxxxxx, Xxxxxėx x. 15
header_1
Declared
Owned
Dirbama žemė148.53 ha30.00 ha
20242023
Revenue 106,147.00 € 106,456.00 €
Net profit 10,005.00 € 5,107.00 €
Equity ratio 4.77% -

Investment calculator

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

13%

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 € - 13%
Project description
Documents
Payment schedule
A crop farm located in the Kupiškis district has been operating since 2009 and specializes in arable farming. The farm’s long operating history reflects the farmer’s accumulated experience and ability to maintain stable agricultural activity under changing market and climatic conditions.

The farmer declares 148.53 hectares of agricultural land, of which 30 hectares are owned, while the remaining area is cultivated on other lawful grounds. This land portfolio forms a solid operational base, enabling sufficient production scale, business continuity, and income stability.

The farm’s machinery fleet consists of two tractors, a combine harvester, and other small agricultural implements required for core arable farming operations. The available technical base allows the farmer to independently carry out sowing, crop maintenance, and harvesting activities, thereby reducing reliance on external service providers and enabling more efficient cost management.

The farmer cultivates the land using no-till technology, which is focused on sustainable farming practices and the long-term preservation of soil fertility. This approach helps reduce production costs, maintain soil structure and moisture, and increases the farm’s resilience to adverse climatic conditions.

The farmer has applied to InSoil for a loan to be used for settling obligations with suppliers and balancing working capital needs. The loan will be secured by a New Holland combine harvester owned by the farmer, which represents a significant and liquid form of collateral.

Taking into account the farm’s long operating history, substantial cultivated land area, sustainable farming practices, and the provided loan collateral, 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.