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.

LT0003427

Goal
25,000 €
Raised
22,535 €
90%
Return rate
13%
Rating
B+
Period
33
Time left
LTV
90%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxxxx Xxxxxxxxx
Xxxxxxxšxxx x. xxx., Xxxxxxčxų xxx., Xxxxxxxxx, Xxxxxxxx x. 47
header_1
Declared
Owned
Dirbama žemė49.77 ha6.50 ha
20252024
Revenue 67,585.00 € 55,861.00 €
Net profit 13,913.00 € 11,183.00 €
Equity ratio 22.81% -

Investment calculator

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Interest

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Interest rates:
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Project description
Documents
Payment schedule
We invite you to invest in a growing and financially stable crop farming business. The farmer, who began operations in 2016, currently cultivates 49.77 hectares of land, of which 6.5 hectares are owned. The farm specializes in the cultivation of wheat, rapeseed, and onions, ensuring a diversified production structure and more stable revenue streams.

The farm is equipped with modern machinery, including two tractors, a seed drill, a cultivator, a harrow, a fertilizer spreader, and other essential equipment, enabling the farmer to independently and efficiently carry out all key agricultural operations. The farmer applies no-till farming practices, which help reduce costs, improve soil quality, and ensure long-term sustainability. Future plans include expanding the farm by increasing the cultivated land area.

Revenue streams are diversified, with wheat and rapeseed sold to local grain buyers, while onions are distributed directly to end customers, allowing the farm to generate higher added value and maintain more stable cash flows.

According to the 2025 financial statements, the farm demonstrates stable and profitable performance. Sales revenue amounted to EUR 54,246, with additional subsidies of EUR 13,339, resulting in a net profit of EUR 13,913. Operating profit reached EUR 17,758, while positive operating cash flows confirm the farm’s ability to generate funds independently and meet its financial obligations.

The farm’s financial structure reflects sufficient stability, with total assets amounting to EUR 68,301, a significant share of which consists of current assets directly linked to operational activity. Equity has been steadily increasing, indicating strengthening financial resilience. Despite seasonal liabilities to suppliers, which are typical in agriculture, the farm maintains adequate liquidity and effective cash flow management.

The farmer has applied to the InSoil investor community for additional financing aimed at strengthening working capital, specifically to prepare for the upcoming spring season by purchasing seeds, fertilizers, and fuel, and ensuring smooth and uninterrupted operations. It should be emphasized that although part of the funds will be used to optimize existing obligations, this is not a refinancing project, but rather a working capital financing solution combined with an optimization of the collateral structure.

To secure the loan, land plots will be pledged. Based on the State Register data, the average value is approximately EUR 6,383 per hectare, while comparable land plots are currently traded in the market at around EUR 8,000 per hectare, indicating a conservative valuation and an additional collateral value buffer.

The farmer has been using InSoil services since 2022, during which eight loan agreements have been concluded, three of which are currently active. All payments have been made on time, demonstrating strong financial discipline and reliability.

Considering the farm’s stable revenue generation, profitability, positive cash flows, diversified income model, conservatively valued collateral, and strong credit history, the project is assessed as a moderate-risk and attractive investment opportunity, offering stable return potential 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.