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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.
LT0003355
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 210.24 ha | 19.50 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 81,814.00 € | 85,607.00 € |
| Net profit | -24,814.00 € | -53,302.00 € |
| Equity ratio | -4.78% | - |
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A crop farm was established in the Skuodas district in 2013 and specializes in the cultivation of cereals and legumes. The farmer manages 210.24 hectares of agricultural land, of which 19.50 hectares are owned, while the remaining area is cultivated on other lawful grounds. The farm grows spring and winter wheat, barley, rapeseed, peas, and other crops required for crop rotation. The land is cultivated using no-till technology, which helps reduce production costs and supports more sustainable farming practices.
In farming operations, the farmer uses two tractors, a combine harvester, and other agricultural implements, including a seed drill, allowing key agricultural works to be carried out independently and efficiently.
The farmer has been using the services of InSoil since 2021. During this period, four loan agreements have been concluded, two of which are currently active. All payments are being made on time, and the previous cooperation demonstrates a responsible approach to financial obligations.
The farmer has additionally applied to InSoil for a working capital loan intended to settle obligations with fertilizer, fuel, and other suppliers, enabling timely preparation for spring fieldwork. To secure the loan, four land plots with a total area of 5.14 hectares will be pledged, with their value determined based on Registry Centre data.
It should be noted that the past two years have been challenging for the farm, as adverse weather conditions significantly damaged crop yields, negatively affecting both turnover and profitability. Despite these difficulties, the farmer successfully managed cash flows and settled all obligations with creditors and suppliers, demonstrating financial discipline and operational resilience.
Taking into account the farm’s long operating history, large cultivated area, application of sustainable farming practices, responsible fulfillment of financial obligations, and the proposed 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.