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Ūkio paskola
Ūkio paskola skirta žemės ir technikos įsigijimui, apyvartiniam kapitalui padidinti, kitiems ūkio plėtros poreikiams. Paskolos sąlygos priklauso nuo ūkio kreditingumo, paskolai užtikrinti įkeičiamo turto, paskolos grąžinimo laikotarpio ir kitų kriterijų.
LT0003414
Tikslas
53,000 €
Surinkta
22,090 €
Palūkanų dydis 
10%
Reitingas
A+
Periodas
36
Liko laiko
LTV
90%
Šalis
Lithuania
Paskolos tikslas
Working capital
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas | Adresas |
|---|---|
header_1 | Deklaruotas plotas | Nuosavas plotas |
|---|---|---|
| Farming land | 489.73 ha | 204.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Pajamos | 931,893.00 € | 843,712.00 € |
| Grynasis pelnas | -9,723.00 € | -97,859.00 € |
| Nuosavo kapitalo santykis | 46.29% | - |
Investicijos skaičiuoklė
Pasirinkine vieną iš siūlomų arba įveskite investicijos sumą, kad pamatytumėte palūkanų normą ir preliminarų uždarbį.
Palūkanos
10%
Preliminarus uždarbis
0.00 €
Svarbu:
Skaičiuoklės rezultatai yra preliminarūs, kadangi nurodytas uždarbis yra pagrįstas preliminariu paskolos grąžinimo grafiku.
Palūkanų normos:
Investuojant nuo 100 € - 10%
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
Project Summary
The project belongs to a family-operated mixed farm located in the Raseiniai district, operating since 1998. The farm specializes in dairy production and crop farming while applying modern machinery and advanced technologies. The requested financing is intended for working capital to prepare for the upcoming season.
Farm Overview
The farm was established in 1998 in the Raseiniai district. It currently declares nearly 500 hectares of land, 204 hectares of which are owned. Farming activities are organized on a family basis – alongside the main farm operates the father’s farm cultivating nearly 150 hectares of land. Starting this year, the son has also established his own farm as a young farmer, with the intention of continuing the family farming tradition in the future.
Operating Model and Sustainability
The farm operates a mixed model and is a member of the Pienas.LT dairy cooperative. Approximately 70% of revenue is generated from milk production, with a herd of around 120 dairy cows. The remaining 30% comes from cereal crop production, part of which is sold and part used for feed.
Crop production is based on no-till technology, supported by crop rotation and cover crops. For the past 8–9 years, the farm has been using Bioenergy bacteria, which allowed reducing the use of mineral fertilizers by roughly half. Fungicide use is minimal as the soil has been cleared of pathogens, and only biological seed treatment is used for cereals. Electricity used by the farm is purchased from a solar park.
Technical Infrastructure
The farm’s machinery fleet includes a self-propelled maize chopper, a tracked combine harvester, four tractors, telescopic and articulated loaders, and other modern equipment required for agricultural operations. Advanced technologies are also implemented in dairy production – cows are milked by a double milking robot, feed is pushed by an automated feed pusher robot, and calves are fed through an automated calf feeding system.
Relationship with InSoil
The farm participates in the InSoil carbon credit program and has enrolled 250 hectares of land. It became a member of the InSoil community in June 2025 when it received a Green Loan of EUR 92,000 to purchase an innovative rake for forage production. The loan is repaid under the annuity schedule and there has not been a single day of delay in payments. The current outstanding balance of the loan is approximately EUR 78,000.
Financial Situation
Due to adverse weather conditions and low crop prices, the farm recorded a net loss of EUR –9,723 in 2024. However, after accounting for depreciation of fixed assets, EBITDA remained positive in 2024 and reached nearly EUR 200,000. EBITDA was also positive in 2023. The farm maintained sufficient cash flows to meet all existing financial obligations.
Financing Purpose
The requested funds will be used for working capital related to preparation for the upcoming season and to ensure the continuity of daily farm operations.
Conclusion
The project represents a long-established family farm with modern technical infrastructure, diversified operations, and advanced farming practices. A clearly defined financing purpose and stable operational indicators support the assessment of this project as well-founded and sustainable.
Projekto rizika
Šitam projektui, kyla rizika prarasti visą gautą pelną ir investuotas lėšas.
Tokiu atveju, Projekto savininkui neįvykdžius savo įsipareigojimų, Platformos operatorius imsis visų būtinų priemonių investuotojų interesams apsaugoti ir panaudos pateiktą užstatą, tačiau Platformos valdytojas negarantuoja visiško Projekto savininko įsipareigojimų įvykdymo.
Finansinėms sutartims netaikoma Lietuvos Respublikos indėlių ir įsipareigojimų investuotojams draudimo įstatymo nustatyta draudimo apsauga.
Papildoma informacija:
Projekto savininkui nesurinkus finansuotinų sumų, surinktos lėšos grąžinamos rėmėjams pervedant jas į sąskaitą, iš kurios buvo pervestos. Platformos operatorius taip pat turi teisę pasiūlyti Projekto savininkui per Projekto finansavimo terminą sumažinti finansuojamą sumą arba pratęsti Projekto finansavimo terminą. Tokiu atveju, sumažinus finansuojamą sumą arba pratęsus Projekto finansavimo terminą, visais atvejais apie tai pranešama Platformoje ir informuojami Fondo finansuotojai.