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.

LT0003403

Goal
53,000 €
Raised
39,771 €
75%
Return rate
11%
Rating
A
Period
33
Time left
LTV
88%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxx Xxxxxx
Xxxšxxxxxxų x. xxx., Xxxšxxxxxxų xxxxxxxėx xxx., Xxxxxšxėx, Xxxxxxxėx x. 37
header_1
Declared
Owned
Farming land122.77 ha85.53 ha
20242023
Revenue 229,859.00 € 209,692.00 €
Net profit 15,100.00 € 53,851.00 €
Equity ratio 34.44% -

Investment calculator

Pick one of the suggested or type in your own amount to see interest rate and preliminary earnings.
Interest

11%

Preliminary earnings

0.00 €

Important:
The calculator provided is preliminary and the projected earnings are determined based on the preliminary principal repayment schedule.
Interest rates:
Investing from 100 € - 11%
Project description
Documents
Payment schedule
Since 2004, a grain farm has been operating in the Kaišiadorys district, cultivating wheat, rapeseed, and other agricultural crops. The farmer manages 122.77 hectares of arable land, of which 85.53 hectares are owned, forming a stable and solid foundation for the farm’s operations.

The farm’s machinery fleet consists of a combine harvester, a tractor, a seeder, a sprayer, a trailer, and other tillage equipment required for crop farming activities. The farmer cultivates the land using no-till farming technology, which helps optimize fuel consumption, improve soil structure, and ensure more sustainable farming practices.

The farmer has approached the InSoil investor community for a loan that will be used for working capital purposes, specifically to settle obligations with suppliers. To secure the loan, four land plots will be pledged, with their value determined based on data from the State Enterprise Centre of Registers (RC).

It should be noted that this is not the farmer’s first project on the InSoil platform. During the cooperation period, four loan agreements have been concluded, one of which is currently active and is expected to be repaid in the near future.

Considering the long operating history of the farm, the significant share of owned land, the available technical capacity, and the clear purpose of the loan, the project can be assessed as 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.