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.

LT0003359

Goal
68,500 €
Raised
11,299 €
16%
Return rate
15%
Rating
C+
Period
46
Time left
LTV
56%
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxė Xxxxxxxxxxxxxė
Xxxxxėx x. xxx., Xxxxxėx xxx., Xxxxxė, Xxxxų x. 36, 85366
header_1
Declared
Owned
Farming land81.26 ha53.85 ha
20252024
Revenue 34,289.00 € 42,086.00 €
Net profit -57,726.00 € -44,572.00 €
Equity ratio 3.66% -

Investment calculator

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Interest

15%

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 € - 15%
Project description
Documents
Payment schedule
The farmer has been engaged in agricultural activities since 1998, having taken over and continued the family farm. Over the years, the farm has been gradually developed and today covers 81.26 ha of cultivated land, of which 53.85 ha are owned. The main crops grown on the farm are wheat, oilseed rape, barley, and peas, ensuring a diverse and well-balanced production structure.

The farm is managed jointly with family members, allowing daily operations to be carried out without hiring additional labour. The farmer uses essential owned machinery, including two tractors, a combine harvester, a grain dryer, a storage hangar, a seeder, and other smaller implements. While not new, the machinery is maintained appropriately and remains fully functional for the farm’s operational needs.

The farmer applies no-till farming practices, which help reduce energy consumption, preserve soil structure, and support long-term soil fertility. This approach has been used for several years and contributes to more sustainable field management.

The farm sells its production to long-standing and reliable buyers, including UAB Agrokoncernas, UAB Žvalguva, and Scandagra (UAB Scandagra). Stable cooperation with these market-leading companies ensures predictable sales channels and reliable cash flow.

The current financing is being raised for refinancing purposes, with the aim of restructuring existing obligations and aligning repayment schedules with the farm’s actual income cycle. Refinancing will help reduce the financial burden, stabilise cash flow, and restore smoother day-to-day operations.

Despite recent financial challenges, the farm’s long-standing operational history, substantial owned land base, and clearly structured production model provide a foundation for continued activity and gradual recovery.

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.