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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.
LT0003364
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 165.96 ha | 52.09 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 115,657.00 € | 117,493.00 € |
| Net profit | 13,642.00 € | 28,603.00 € |
| Equity ratio | 29.9% | - |
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A cereal farm located in the Kretinga district has been operating since 2007 and specializes in the cultivation of wheat, oilseed rape, and other agricultural crops. The farm’s long operating history reflects the farmer’s accumulated experience and ability to consistently manage agricultural activities under varying market and climatic conditions.
The farmer’s holdings comprise 165.96 hectares of arable land, of which 52.09 hectares are owned, while the remaining area is cultivated on other lawful grounds. This land portfolio ensures a sufficient operational scale and supports stable income generation.
The farm’s machinery fleet includes a combine harvester, a tractor, a sowing machine, a sprayer, a trailer, and other tillage equipment required for core crop production activities. The farmer cultivates the land using no-till technology, which helps reduce production costs, preserve soil structure, and contribute to more sustainable farming practices.
The farmer has applied to InSoil for a loan to settle obligations with suppliers and prepare for the spring season. The loan proceeds will be used to cover expenses related to fuel, fertilizers, seeds, and other necessary inputs. The loan will be secured by the personal guarantee of the farmer’s spouse.
It should be noted that this is not the farmer’s first loan on the InSoil platform. Since 2022, five loan agreements have been concluded, one of which is currently active. The previous cooperation demonstrates the farmer’s responsible approach to financial obligations.
Taking into account the farm’s long operating history, substantial cultivated land area, sustainable farming practices, and the clear purpose of the loan, 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.