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.

LT0003348

Tikslas
17,000 €
Surinkta
17,000 €
100%
Palūkanų dydis
14%
Reitingas
C+
Periodas
34
Liko laiko
LTV
67%
Šalis
Lithuania
Paskolos tikslas
Refinancing
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas
Adresas
Ūxxxxxxxx (-ė) Šxxūxxx Xxxxxxxxxxx
Xxxšxxxxxxų x. xxx., Xxxxxxxxxų xxx., Šxxxšxėx
header_1
Deklaruotas plotas
Nuosavas plotas
Dirbama žemė203.52 ha33.58 ha
20242023
Pajamos 155,339.24 € 95,861.05 €
Grynasis pelnas - -
Nuosavo kapitalo santykis - -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
A mixed farm established in 2012 and located in the Kaišiadorys district is engaged in beef cattle farming (approximately 60 head of cattle) and crop production, including wheat, rapeseed, and other agricultural crops. The total cultivated land area amounts to 203.52 hectares, of which 33.58 hectares are owned by the farm. This scale ensures sufficient operating capacity and diversified income streams.

The farmer uses two tractors, a combine harvester, and other necessary equipment for land cultivation and forage preparation. Crop production is carried out using no-till technology, which helps optimize costs and supports more sustainable farming practices.

The farmer has applied to InSoil with a request to refinance existing loans. This need arose following a decision by the National Paying Agency (NMA) to postpone subsidy payments until April, which temporarily disrupted the farm’s cash flow. It should be noted that the farmer proactively initiated this request, fully acknowledging responsibility toward investors and seeking a transparent solution to the situation.

The proceeds of the new loan will be used to repay the existing loan LT0002750 and part of loan LT0002537 (approximately EUR 5,500). To secure the loan, a 5.92-hectare land plot with buildings will be pledged, with a total value of EUR 25,562 according to data from the Centre of Registers (LTV approximately 67%). In addition, the personal guarantee of the farmer’s spouse is provided. It is important to note that both the farmer and the spouse, in addition to farming activities, are employed in salaried positions, with combined annual income amounting to approximately EUR 189,000.

The farmer has been known on the InSoil platform since 2022. During this period, four loan agreements have been concluded, two of which have already been repaid in full. This demonstrates prior cooperation experience and the borrower’s efforts to meet financial obligations.

Considering that the current situation is temporary and related to delayed subsidy payments, along with the provided collateral, additional household income, and the borrower’s proactive engagement in addressing the issue, investors are asked to support the refinancing decision and assist the farm in stabilizing cash flows until the subsidies are received.

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.