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.

LT0003398

Goal
19,500 €
Raised
17,880 €
91%
Return rate
13%
Rating
A
Period
33
Time left
LTV
-
Country
Lithuania
Loan purpose
Land purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxx Žxxxxxxūxxx
X. Xxžxxxx x. 28, Xxxxšxxx
header_1
Declared
Owned
Farming land92.53 ha15.00 ha
20252024
Revenue 39,107.00 € 50,997.00 €
Net profit -5,179.00 € -15,212.00 €
Equity ratio 20.17% -

Investment calculator

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Interest

13%

Preliminary earnings

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Interest rates:
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Project description
Documents
Payment schedule
Project Summary
The project belongs to a crop farming operation located in the Kupiškis district, operating since 2015. The farm conducts consistent crop production activities and applies sustainable land management practices. The requested financing is intended for the acquisition of agricultural land – 5 plots with a total area of 4 hectares through auction.

Farm Overview
The farm was established in 2015 in the Kupiškis district. It currently declares 92 hectares of agricultural land, 15 hectares of which are owned. The farm operates within the medium-scale segment and continues to develop its crop production activities.

Operating Model and Sustainability
The farm specializes in crop production, primarily cultivating wheat, rapeseed, barley, and rye. Land is managed using no-till practices, supported by crop rotation and cover crops. This farming model is focused on soil preservation and long-term operational continuity.

Financial Situation
Due to adverse weather conditions and low commodity prices, the farm recorded a net loss of EUR –5,179. However, after accounting for depreciation of fixed assets, EBITDA remained positive in both 2024 and 2025. The farm maintained sufficient cash flows to meet all existing financial obligations.

Financing Purpose
The requested funds will be used to acquire 5 land plots with a total area of 4 hectares through auction. The investment is aimed at increasing the share of owned land and strengthening the long-term operational base of the farm.

Conclusion
The project represents an operating crop farm with a clearly defined expansion objective. The financing purpose is directly linked to increasing owned land and enhancing the farm’s long-term stability.

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.