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.

LT0003332

Goal
25,000 €
Raised
25,000 €
100%
Return rate
11%
Rating
A
Period
34
Time left
LTV
99%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxxx Xxčxxxxxxxxxė
Xxxxčxxx XX, Šxxxxxxx xxx., Xxxxxxxšxxx x.
header_1
Declared
Owned
Dirbama žemė217.01 ha44.77 ha
20242023
Revenue 318,220.00 € 307,674.00 €
Net profit 67,106.00 € -48,489.00 €
Equity ratio 32.21% -
Project description
Documents
Payment schedule
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.

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.