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.

LT0003402

Goal
42,000 €
Raised
42,000 €
100%
Return rate
12%
Rating
B+
Period
36
Time left
LTV
90%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxė Xxčxxxxxė
Šxxxčxxxxų x., Xxxxxxxšxėx x., Xxxxxų xxx.
header_1
Declared
Owned
Farming land174.72 ha174.72 ha
20252024
Revenue 94,098.00 € 95,365.00 €
Net profit 40,803.00 € 43,108.00 €
Equity ratio 36.85% -
Project description
Documents
Payment schedule
Project Summary
The project belongs to an organic mixed farm operating in the Švenčionys district since 2008. The farm specializes in dairy production and crop farming, with all activities conducted under certified organic standards. The requested financing is intended for working capital to prepare for the upcoming season.

Farm Overview
The farm was established in 2008 in the Švenčionys district. It declares 175 hectares of land, all of which is owned. The farm operates as a 100% certified organic business. Farming activities are organized on a family basis, alongside the farms of the farmer’s two sons. Together, the family cultivates approximately 400 hectares of land and raises around 100 cows.

Operating Model and Sustainability
The farm operates a mixed model. Approximately 70% of revenue is generated from milk production, with around 40 dairy cows. The remaining 30% comes from cereal crop production, part of which is used for feed. Land is managed using no-till practices, supported by crop rotation and cover crops. The organic farming model focuses on soil preservation and long-term sustainability.

Relationship with InSoil
The farmer is an active member of the InSoil community. Currently, there are 5 active loans with a total outstanding balance of EUR 95,000. One loan of EUR 32,000 has already been fully repaid. Payments are made on time, and throughout the entire cooperation period there has not been a single day of delay.

Financing Purpose
The requested funds will be used for working capital purposes related to seasonal preparation and ensuring the continuity of daily farm operations.

Conclusion
The project represents an experienced organic family farm with a significant share of owned land and a diversified income structure. A clearly defined financing purpose and consistently fulfilled financial obligations support the assessment of this project as well-founded and stable.

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.