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.

LT0003372

Goal
20,000 €
Raised
20,000 €
100%
Return rate
13%
Rating
A
Period
34
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxx Xxxxxxxxxė
3, Xxxxžxšxėx x., Xxxxxxxxx xxx. Xxxxxxxxx xxxxxx xxx.
header_1
Declared
Owned
Farming land107.90 ha24.00 ha
20242023
Revenue 99,082.00 € 68,080.00 €
Net profit 561.00 € 2,201.00 €
Equity ratio 32.03% -
Project description
Documents
Payment schedule

A grain farm located in the Ignalina district has been operating since 2014 and specializes in the cultivation of wheat, rapeseed, and other agricultural crops. The farm’s long operating history reflects the farmer’s accumulated experience and ability to maintain stable agricultural activity under changing market and climatic conditions.
The farmer’s holdings comprise 107.90 hectares of arable land, of which 24 hectares are owned, while the remaining area is cultivated on other lawful grounds. This land portfolio provides a solid operational base and enables the farm to maintain sufficient production scale and income stability.
The farm’s machinery fleet consists of a combine harvester, a tractor, a sowing machine, a sprayer, a trailer, and other tillage equipment required for core arable farming operations. The available technical base allows the farmer to independently carry out sowing, crop maintenance, and harvesting activities, thereby reducing reliance on external service providers.
The farmer cultivates the land using no-till technology, which is focused on sustainable farming practices and the long-term preservation of soil fertility. This approach helps reduce production costs, maintain soil structure and moisture, and increases the farm’s resilience to adverse climatic conditions.
The farmer has applied to InSoil for a loan to be used for settling obligations with suppliers and balancing working capital needs. It should be noted that this is not the farmer’s first loan on the InSoil platform. Since 2021, two loan agreements have been concluded, one of which is currently active, with all payments being made on time.
Taking into account the farm’s long operating history, substantial cultivated land area, sustainable farming practices, and positive credit history on the InSoil platform, 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.