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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.
LT0003375
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 110.10 ha | 20.81 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 154,165.00 € | 235,816.00 € |
| Net profit | 97,517.00 € | 17,203.00 € |
| Equity ratio | 16.59% | - |
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A grain farm located in the Šakiai district has been operating since 2004 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 and consistent agricultural operations under changing market and climatic conditions.
The farmer’s holdings comprise 110.10 hectares of arable land, of which 20.81 hectares are owned, while the remaining area is cultivated on other lawful grounds. The owned land provides a stable operational base, supports business continuity, and reduces long-term farming risk.
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 arable farming operations. The farmer cultivates the land using no-till technology, which helps optimize production costs, preserve soil structure and moisture, and contributes to more sustainable farming practices.
The farmer has applied to InSoil for a loan to be used for settling obligations with suppliers and balancing working capital needs. The purpose of the loan is to ensure the smooth continuation of farm operations and the timely fulfilment of current obligations.
It should be noted that this is not the farmer’s first project on the InSoil platform. Previously, four loan agreements were concluded, all of which were repaid in full and on time. This credit history demonstrates the farmer’s financial discipline and responsible approach to financial commitments.
Taking into account the farm’s long operating history, sustainable farming practices, clear loan purpose, and positive previous cooperation experience, 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.