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.

LT0003360

Goal
11,000 €
Raised
11,000 €
100%
Return rate
12%
Rating
A+
Period
21
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxx Xxxxxxxčxxx
Šxxxxxų x.,Xxžxxx, Xxxxxėx x. 8x
header_1
Declared
Owned
Farming land36.60 ha0.00 ha
20242023
Revenue 71,296.38 € 72,439.19 €
Net profit - -
Equity ratio - -
Project description
Documents
Payment schedule
General Information
The farm was established in 2021 in the Šiauliai district. It currently declares 36 hectares of land, all of which are leased. This is a young but well‑managed and responsible arable farm that has quickly established itself as a reliable member of the InSoil community.

Farm Activities
The farm focuses on crop production, mainly growing wheat and rapeseed. Land is cultivated using no‑till methods and crop rotation to maintain soil fertility, reduce fuel and labour costs, and promote sustainable farming practices. The farmer emphasises responsible resource management, producing competitive, high‑quality crops with minimal environmental impact.

Relationship with InSoil
The farmer has been an active member of the InSoil community since 2023. During this period, he has taken and successfully repaid two loans of identical size. All repayments were made precisely on schedule, without any delays. This repayment history demonstrates strong financial discipline, responsibility, and reliability as a borrower.

Financial Situation and Purpose of the Loan
The requested financing is intended for working capital, mainly to prepare for the upcoming farming season. The funds will be used to purchase seeds, fertilizers, and crop protection products, ensuring the timely start of fieldwork and continuity of production. This financing will maintain the farm’s operational stability and support yield potential in the next production cycle.

Conclusions
The farm in the Šiauliai district is relatively small but efficiently managed, applying modern, environmentally conscious agronomic practices. Its proven repayment track record, consistent financial behaviour, and clear working‑capital purpose make this a low‑risk, reliable, and attractive 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.