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.

LT0003399

Goal
33,000 €
Raised
33,000 €
100%
Return rate
12%
Rating
A
Period
33
Time left
LTV
49%
Country
Lithuania
Loan purpose
Equipment purchase
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxė Xxžxxxxxxxxė
Xxxxxxxx x. xxx., Xxxxxxxx xxxxxxxxų xxx., Xxxxxxxx, Xxxxų x. 11
header_1
Declared
Owned
Dirbama žemė299.50 ha2.00 ha
20252024
Revenue 303,353.00 € 26,858.52 €
Net profit 58,520.00 € -
Equity ratio 18.71% -
Project description
Documents
Payment schedule
The young farmer’s holding was established in 2024. The declared land area amounts to 299.50 hectares, of which 2 hectares are owned. The farm specializes in grain cultivation. The farmer gained her experience by working alongside her husband, who has been farming since 2019 and currently manages more than 1,000 hectares of crop farming operations, representing a significant scale and level of experience.

In her farming activities, she uses all of her husband’s available machinery, including tractors, combine harvesters, and other agricultural equipment. Therefore, no additional investment in core machinery is required, and the farm operates with sufficient technical capacity.

The farmer has approached the InSoil investor community for a loan to purchase slurry tankers from UAB “SV Technika.” The equipment will be used for the application of organic fertilizers on the farm’s fields, aiming to optimize fertilization costs and improve operational efficiency.

The loan will be secured by the pledge of the purchased equipment as well as a personal guarantee provided by the spouse, who operates a large and financially strong farming business, significantly strengthening the security level of the project for investors.

It should be noted that the guarantor also runs a crop farming operation with a managed land area exceeding 1,000 hectares and annual sales revenues exceeding EUR 1 million. Based on these indicators, a financing rating of A is assigned. This rating will be applied as the primary rating of the project.

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.