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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.
LT0003389
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 4.15 ha | 4.15 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 32,949.16 € | 27,629.79 € |
| Net profit | - | - |
| Equity ratio | - | - |
Documents
Payment schedule
Project Summary
The project belongs to a mixed farm operating in the Panevėžys district since 2020. The farm runs a diversified model combining berry cultivation and crop production, along with additional income from individual business activity. The requested financing is intended for the construction of a building (hangar) for storing agricultural equipment.Farm Overview
The farm was established in 2020 in the Panevėžys district. It declares 4 hectares of land, all of which is owned. The farm operates on a small scale, focusing on efficient land use and diversification of activities.Operating Model and Diversification
The farm’s activity is mixed. Approximately 50% of revenue comes from strawberry cultivation and sales, with strawberries grown on 0.50 hectares. The remaining 50% of revenue is generated from cereal crop production, mainly rapeseed and wheat. Crop rotation is applied and the land is managed using no-till practices. Additionally, the farmer operates as a real estate broker under an individual activity certificate, providing an additional source of income.Relationship with InSoil
Two loans of a similar type have already been fully repaid, with a total amount of EUR 17,000. Currently, there is one active loan with an outstanding balance of approximately EUR 4,000. Payments are made on time, and since 2021 the farmer has not been late with any payment.Financing Purpose
The requested funds will be used for the construction of a building (hangar) for storing agricultural equipment. The investment is aimed at improving operational organization and strengthening farm infrastructure.Conclusion
This project represents a small-scale but diversified farm with additional income sources and a confirmed track record of responsible repayment behavior. The financing purpose is clearly defined and focused on strengthening farm infrastructure.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.