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.

LT0003373

Goal
11,200 €
Raised
11,200 €
100%
Return rate
13%
Rating
B+
Period
55
Time left
LTV
100%
Country
Lithuania
Loan purpose
Land purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xžxxxž Xxxxxxxxx
Xxxxxxxx x., Xxxxxčxxėx xxx., Xxxxxūxų x., Xxxxxūxų x. 42
header_1
Declared
Owned
Farming land108.88 ha4.00 ha
20242023
Revenue 29,356.00 € 25,766.00 €
Net profit 7,701.00 € 918.00 €
Equity ratio 14.51% -
Project description
Documents
Payment schedule

A crop farm was established in the Vilnius district in 2015, specializing in the cultivation of wheat, rye, oats, and buckwheat. The farmer currently declares 108.88 ha of agricultural land, of which 4 ha are owned, while the remaining area is cultivated on other lawful grounds. This land base ensures a stable operational scale and supports the farm’s gradual development.
The farmer owns a tractor, a grain transport trailer, and cultivation implements required for core crop farming activities. As the farm is relatively small, the farmer manages daily operations independently, ensuring efficient work organization and cost control.
In the near future, the farmer plans to expand the farm area to 150 ha and subsequently purchase a combine harvester in order to increase operational efficiency and independence. To implement these plans, financing is required for the acquisition of agricultural land. The farmer is purchasing a 2.56 ha land plot, valued at EUR 11,200 according to State Land Registry (RC) data.
It should be noted that the farmer has been using the services of InSoil since 2022. During this period, two loan agreements have been concluded, one of which is currently active. The previous cooperation demonstrates a responsible approach to financial obligations.
Taking into account the clear farm expansion strategy, consistent crop production activities, well-defined use of loan proceeds, and positive cooperation history with InSoil, this project may be considered a moderate-risk and attractive 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.