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.

LT0003340

Goal
25,000 €
Raised
25,000 €
100%
Return rate
12%
Rating
A+
Period
11
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxx Xxxxxxūxxx
Xxxxxxxx x. xxx., Xxxxšxėxxx xxxxxxxxų xxx., Xxxxxxxxxx, Xxxxxxxx x. 6-8
header_1
Declared
Owned
Farming land495.89 ha63.00 ha
20242023
Revenue 706,478.00 € 374,651.00 €
Net profit 452,210.00 € 101,854.00 €
Equity ratio 57.5% -
Project description
Documents
Payment schedule
General Information
The farm was established in 2002 in the Pasvalys district. It currently declares 496 hectares of land, of which 63 hectares are privately owned. This is a long‑established arable farm built on modern technology and sustainable farming principles.

Farm Activities
The farm specialises in crop production, mainly growing wheat, barley and rapeseed. Land is cultivated using no‑till farming methods combined with crop rotation and cover cropping. These practices help preserve soil structure, increase organic matter levels and maintain strong long‑term fertility. The farm focuses on producing high‑quality grain and is recognised for its efficient resource management and innovative agronomic approach.

Family Involvement and Synergy
Farming is organised on a family basis, with the farmer’s son and daughter‑in‑law managing separate holdings nearby. Together the family cultivates over 1,300 hectares of land, around 200 hectares of which are privately owned. This structure allows efficient machinery use, joint seasonal planning and mutual support during the busiest periods. The resulting synergy provides competitive advantages by lowering costs per hectare and improving production efficiency.

Financial Situation and Purpose of the Loan
The requested financing is intended for working capital needs – specifically preparation for the upcoming season. Funds will be used to purchase seeds, fertilizers, fuel and crop protection products, ensuring smooth and timely operations throughout the growing season. This is standard production cycle financing aimed at maintaining consistent business operations.

Conclusions
Located in the Pasvalys district, this is a strong, long‑standing family farm operating under sustainable and modern agricultural principles. The clearly defined working capital requirements for t

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.