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.

LT0003408

Goal
10,000 €
Raised
5,590 €
55%
Return rate
13%
Rating
B
Period
33
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxx Xxxxxxxxxxx
Xxxxšxxx x., Xxxxxxxėxxx xxx., Xxxxxų x. 4
header_1
Declared
Owned
Farming land264.64 ha100.00 ha
20252024
Revenue 235,391.00 € 220,058.00 €
Net profit 61,688.00 € -56,200.00 €
Equity ratio 38.35% -

Investment calculator

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Interest

13%

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 € - 13%
Project description
Documents
Payment schedule
The farmer, who has been engaged in agricultural activities since 2014, currently manages a 264.64-hectare crop farm in the Rokiškis district, of which 100 hectares are owned. The farm cultivates wheat, barley, rapeseed, and peas. Farming activities are carried out together with his spouse, bringing the total cultivated area of the family farm to approximately 300 hectares, which ensures sufficient operational scale and stable farming capacity.

The farmer uses his own machinery fleet, consisting of a tractor, a combine harvester, a sprayer, a spreader, and other equipment necessary for crop farming. Most of the machinery was acquired with support from the National Paying Agency, providing the farm with sufficient technical capacity to independently perform core agricultural operations.

The farmer cultivates the land using no-till farming technology, which helps reduce fuel consumption, improve soil structure, and contributes to more sustainable farming practices. In the future, the farmer plans to invest in a more powerful tractor and a grain storage silo in order to increase farm efficiency and improve flexibility in crop sales.

The farmer has approached the InSoil investor community for a loan that will be used to settle obligations with suppliers and prepare for the spring season. It should be noted that the farmer became an InSoil client in 2021, and during the cooperation period four loan agreements have been concluded, one of which is currently active.

Considering the farmer’s long-term agricultural experience, significant share of owned land, sufficient technical capacity, and applied sustainable farming practices, 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.