Ūkio paskola

Ūkio paskola skirta žemės ir technikos įsigijimui, apyvartiniam kapitalui padidinti, kitiems ūkio plėtros poreikiams. Paskolos sąlygos priklauso nuo ūkio kreditingumo, paskolai užtikrinti įkeičiamo turto, paskolos grąžinimo laikotarpio ir kitų kriterijų.

LT0003332

Tikslas
25,000 €
Surinkta
25,000 €
100%
Palūkanų dydis
11%
Reitingas
A
Periodas
34
Liko laiko
LTV
99%
Šalis
Lithuania
Paskolos tikslas
Working capital
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas
Adresas
Xxxxxx Xxxxxxx Xxčxxxxxxxxxė
Xxxxčxxx XX, Šxxxxxxx xxx., Xxxxxxxšxxx x.
header_1
Deklaruotas plotas
Nuosavas plotas
Farming land217.01 ha44.77 ha
20242023
Pajamos 318,220.00 € 307,674.00 €
Grynasis pelnas 67,106.00 € -48,489.00 €
Nuosavo kapitalo santykis 32.21% -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
General Information
The farm was established in 2011 in the Vilkaviškis district – one of the most fertile regions in Lithuania. It currently declares 217 hectares of land, of which 45 hectares are privately owned. This is a strong, well‑structured crop farming enterprise that continues to expand its operations while implementing advanced and sustainable farming practices.

Farm Activities
The farm specialises in grain production, mainly winter and spring wheat, rapeseed, and fava beans. Land cultivation is carried out using no‑till technology, complemented by crop rotation and cover cropping, which helps preserve soil fertility, reduce erosion, and maintain natural ecosystem processes. Productivity and quality are ensured through the use of modern agricultural machinery – two high‑performance tractors, a combine harvester, a cultivator, and an efficient seed drill – allowing for optimal operational efficiency throughout the production cycle.

Family Involvement
The farmer’s husband is actively involved in everyday operations, helping manage the machinery fleet and key production processes. This family‑based model ensures operational flexibility, stronger management oversight, and higher efficiency in executing farming tasks.

Relationship with InSoil
The farmer is a long‑standing and trusted member of the InSoil community. Since 2021, she has successfully repaid seven loans totalling €195,000. Currently, she has four active loans, all serviced according to schedule, with one to be fully repaid before the disbursement of the new one. In addition, she participates in the InSoil Carbon Credit Program and has enrolled 160 hectares of her land, reinforcing her commitment to sustainability and climate‑positive agricultural practices.

Financial Situation and Purpose of the Loan
The requested financing is intended for working capital to prepare for the upcoming farming season. The funds will be allocated for the purchase of seeds, fertilizers, fuel, and crop protection products, enabling timely fieldwork and crop management. This is standard production‑cycle financing directly tied to the growth of the next season’s harvest and future revenue generation.

Conclusions
The farm in the Vilkaviškis district represents a reliable and modern agricultural business within the InSoil portfolio. A strong repayment record, consistent performance, modern technological equipment, and active participation in sustainable farming programs make this project a secure and attractive opportunity for investors. The requested working capital financing is clearly defined and directly linked to the successful execution of the upcoming production cycle.

Projekto rizika

Šitam projektui, kyla rizika prarasti visą gautą pelną ir investuotas lėšas.

Tokiu atveju, Projekto savininkui neįvykdžius savo įsipareigojimų, Platformos operatorius imsis visų būtinų priemonių investuotojų interesams apsaugoti ir panaudos pateiktą užstatą, tačiau Platformos valdytojas negarantuoja visiško Projekto savininko įsipareigojimų įvykdymo.

Finansinėms sutartims netaikoma Lietuvos Respublikos indėlių ir įsipareigojimų investuotojams draudimo įstatymo nustatyta draudimo apsauga.

Papildoma informacija:

Projekto savininkui nesurinkus finansuotinų sumų, surinktos lėšos grąžinamos rėmėjams pervedant jas į sąskaitą, iš kurios buvo pervestos. Platformos operatorius taip pat turi teisę pasiūlyti Projekto savininkui per Projekto finansavimo terminą sumažinti finansuojamą sumą arba pratęsti Projekto finansavimo terminą. Tokiu atveju, sumažinus finansuojamą sumą arba pratęsus Projekto finansavimo terminą, visais atvejais apie tai pranešama Platformoje ir informuojami Fondo finansuotojai.