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.

LT0003365

Goal
15,000 €
Raised
15,000 €
100%
Return rate
15%
Rating
B
Period
9
Time left
LTV
-
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxx Xxxxxxx
Xxxxxxėx x. 1, Xxxšxxxxėx x., Šxxxxxxų x.
header_1
Declared
Owned
Farming land404.71 ha11.00 ha
20252024
Revenue 166,640.00 € 229,651.00 €
Net profit 46,181.00 € -13,864.00 €
Equity ratio 21.51% -
Project description
Documents
Payment schedule
Project Summary
The project belongs to a crop farming operation located in the Širvintos district, operating since 2013. The farm runs on a family basis and cooperates with the spouse’s farm. The requested financing is intended to refinance an existing loan, postponing principal repayment until the end of the year when the new harvest is realized.

Farm Overview
The farm was established in 2013 in the Širvintos district. It currently declares 405 hectares of agricultural land, 11 hectares of which are owned. The farming activities are organized on a family basis, alongside the spouse’s farm. Together, the family cultivates more than 1,000 hectares of land, nearly 300 hectares of which are owned.

Operating Model and Sustainability
The farm specializes in crop production, primarily cultivating wheat, barley, and rapeseed. Land is managed using no-till practices, supported by crop rotation and cover crops. This farming model focuses on soil preservation and long-term operational continuity.

Relationship with InSoil
The farm has been an InSoil client since 2023. One loan of a similar type has already been fully repaid.

Financial Situation
The year 2025 was challenging in terms of harvest results. Adverse weather conditions and low commodity prices affected the farm’s cash flows. In response to these circumstances, the farm is seeking to balance its financial obligations and ensure operational continuity until the new harvest is sold.

Financing Purpose
The requested funds will be used to fully repay the existing loan, with principal repayment postponed until the end of the year from the proceeds of the new harvest. The decision aims to ensure smooth fulfillment of obligations and maintain stable cooperation with the InSoil investor community.

Conclusion
The project represents a family-operated crop farm with significant combined cultivated area and prior cooperation experience with InSoil. The financing purpose is clearly defined and focused on restructuring existing obligations until revenue from the upcoming harvest is received.

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.