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.

LT0003333

Goal
17,000 €
Raised
17,000 €
100%
Return rate
13%
Rating
C+
Period
35
Time left
LTV
20%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxx Xxxxxxxūxxx
Xxxxxėžxx x. xxx., Xxįxxxxx xxx., Xxxxžxūxxx, Xxxxžxūxėxxų x. 22
header_1
Declared
Owned
Dirbama žemė44.60 ha38.00 ha
20242023
Revenue 33,761.00 € 55,685.00 €
Net profit -13,122.00 € -31,756.00 €
Equity ratio 50.5% -
Project description
Documents
Payment schedule
A grain farm located in the Panevėžys district has been operating since 1998 and specializes in the cultivation of wheat, rapeseed, and other agricultural crops. Its long operating history reflects the farmer’s experience and ability to consistently manage agricultural activities under varying market and climatic conditions.
The farmer’s holdings comprise 44.60 hectares of arable land, of which 38 hectares are owned. A high proportion of owned land provides a stable operational base and reduces long-term business 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 reduce costs, preserve soil structure, and support 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 smooth continuity of farm operations and the timely fulfilment of current obligations.
The loan will be secured by the pledge of a 18.44-hectare land plot, with its value determined in accordance with data from the Centre of Registers. This collateral provides additional protection for investors and reduces the overall risk of the project.
Taking into account the farm’s long operating history, significant proportion of owned land, sustainable farming practices, clear loan purpose, and the provided 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.