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.

LT0003358

Goal
25,000 €
Raised
18,309 €
73%
Return rate
14%
Rating
A
Period
34
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxxė
Xūxxxxų x. 33, Xūxxxxų x., Xxxxxėxxx xxx., Xxxžų x.
header_1
Declared
Owned
Farming land235.10 ha94.90 ha
20242023
Revenue 433,966.00 € 401,924.00 €
Net profit -54,442.00 € -42,716.00 €
Equity ratio 70.85% -

Investment calculator

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Interest

14%

Preliminary earnings

0.00 €

Important:
The calculator provided is preliminary and the projected earnings are determined based on the preliminary principal repayment schedule.
Interest rates:
Investing from 100 € - 14%
Project description
Documents
Payment schedule
General Information
The farm was established in 2005 in the Biržai district. It currently declares 235 hectares of land, nearly 100 hectares of which are privately owned. This is an experienced and stable arable farm with a strong land ownership base and a long track record of operations.

Farm Activities
The farm specialises in crop production, mainly growing wheat, rapeseed, barley, and peas. Land is cultivated using no‑till methods, with crop rotation and cover crops to preserve soil health, maintain fertility, and ensure long‑term sustainability. These practices also optimise costs and minimise environmental impact.

Financial Situation
Despite a net loss of -€54,442 recorded due to adverse weather conditions and lower crop prices, the EBITDA remained positive in both 2024 and 2023 when accounting for depreciation on fixed assets. This is further confirmed by the farm’s impeccable repayment history, demonstrating that cash flows were sufficient to cover all existing obligations, including financial commitments.

Purpose of the Loan
The financing is required for working capital to prepare for the upcoming season. The funds will be used to purchase seeds, fertilizers, fuel, and crop protection products, ensuring timely spring fieldwork and a smooth production cycle.

Conclusions
The farm in the Biržai district is a reliable, experienced arable business with a solid privately owned land base and sustainable farming practices. Positive EBITDA and a flawless repayment record show that the net loss is temporary, while working capital financing for the new season is justified and focused on operational continuity.

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.