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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.
LT0003374
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 300.46 ha | 235.00 ha |
| 2025 | 2024 | |
|---|---|---|
| Revenue | 174,352.00 € | 198,338.00 € |
| Net profit | -8,955.00 € | 6,365.00 € |
| Equity ratio | 30.95% | - |
Documents
Payment schedule
The farmer started agricultural activities in 2007 and over more than fifteen years has steadily expanded the operation into a 300.07 ha organic farm. The farm keeps approximately 350 sheep and also produces organic crops, ensuring a diversified and sustainable business model. At the beginning of this year, the farmer received an “Ekoagros” certificate, confirming that the farm’s production meets organic farming standards.
Farm operations are supported by two tractors, a combine harvester, and other smaller agricultural machinery used for land cultivation and harvesting. The existing machinery fleet allows the farmer to carry out core farming activities independently and efficiently.
The farmer has now applied to InSoil for a loan that will be used to redeem a pledged land plot from another creditor, with part of the funds allocated to ongoing farm operations. It should be noted that the farmer currently has two active loans, while eight previous loans have already been repaid in full, demonstrating a responsible approach to financial obligations.
The declared land area totals 300.07 ha, of which 215 ha are owned by the farmer, forming a strong asset base and supporting the long-term stability of the farm.
Taking into account the long operating history, significant share of owned land, certified organic production, successful loan repayment history, and the clear purpose of the financing, 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.