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.

LT0003350

Goal
6,000 €
Raised
6,000 €
100%
Return rate
13%
Rating
A
Period
36
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxx Xxžxxxx
Xxxxxėžxx x., Xxxxxxxšxxx xxx., Xxxxxxų x.
header_1
Declared
Owned
Farming land26.40 ha22.00 ha
20242023
Revenue 18,614.43 € 16,166.91 €
Net profit - -
Equity ratio - -
Project description
Documents
Payment schedule
General Information
The farm was established in 2007 in the Panevėžys district. It currently declares 26 hectares of land, 22 hectares of which are privately owned. This is a small but stable and sustainably managed grain farm with nearly two decades of farming experience.

Farm Activities
The farm specialises in crop production, mainly growing wheat, rapeseed, spring and winter barley. Land is cultivated using no‑till methods, which help preserve soil structure, reduce fuel consumption, and maintain natural humus levels. Crop rotation is practised to ensure long‑term fertility and sustainability. Yields remain consistent, and production is aligned with the needs of local and regional grain buyers.

Relationship with InSoil
The farmer is an active member of the InSoil community. In the first half of 2025, he obtained €10,000 in financing for land acquisition, with the remaining balance now below €8,000. This cooperation demonstrates a sustainable relationship and a responsible approach toward financial planning and investment management.

Financial Situation and Purpose of the Loan
The requested financing is for working capital – primarily to prepare for the upcoming season through the purchase of seeds, fertilizers, and crop protection products. This is standard production cycle financing aimed at ensuring a smooth start to the new season and maintaining continuous and stable crop management operations.

Conclusions
Located in the Panevėžys district, this is a responsibly managed and sustainable grain farm with a solid land ownership base and a proven relationship of trust with InSoil. The clearly defined working capital requirement is connected to the financing of the annual production cycle, making this a low‑risk and well‑founded investment opportunity.

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.