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.

LT0003428

Tikslas
36,000 €
Surinkta
36,000 €
100%
Palūkanų dydis
14%
Reitingas
C+
Periodas
39
Liko laiko
LTV
82%
Šalis
Lithuania
Paskolos tikslas
Refinancing
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas
Adresas
Xxxxxx Xxxxx Xxxxxėxxxxė
Xxxxxxėx x., Xxxxxxxxx xxx., Xxxxxx, Xxxxxxx x. 1X
header_1
Deklaruotas plotas
Nuosavas plotas
Farming land87.45 ha53.00 ha
20242023
Pajamos 37,068.00 € 30,186.00 €
Grynasis pelnas 13,854.00 € 10,090.00 €
Nuosavo kapitalo santykis 75.23% -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
The farm in Ukmergė District has been operating since 2009, when the farmer inherited her mother’s farm. The main activity of the farm is crop production, focused primarily on wheat and beans, while 11 ponies are also kept on the farm, providing additional diversification of income sources. The farm is maintained exclusively by family members, which allows efficient management and lower administrative costs.

According to the 2025 crop declaration, the total declared land area amounts to 87.45 ha, of which a significant part is owned by the farmer. The declaration confirms consistent crop production activity, with wheat, beans, and other crops cultivated across several land plots .

Farm operations are carried out using a combine harvester, two tractors, a seed drill, and other smaller agricultural equipment, ensuring sufficient technical capacity to independently perform the main seasonal works.

According to the 2024 financial statements, the farm maintains a stable financial base: total assets amount to EUR 173,413, equity reaches EUR 141,032, year-end cash balance amounts to EUR 17,655, and net profit reached EUR 13,854. Sales revenue amounted to EUR 12,885, while subsidies and grants totalled EUR 24,183, indicating a significant contribution of support payments to the farm’s cash flow .

The farmer has submitted a request to refinance existing loans LT0001774 and LT0001223 on the InSoil platform and additionally offers to pledge a 4.1 ha land plot owned under property rights. According to the farmer, payment delays occurred due to lower grain purchase prices and increased fertilizer, fuel, and other operating costs, which significantly affected cash flow in recent periods.

It is important to note that in 2023, according to Marleksa valuation, an 8 ha land plot was valued at EUR 41,600, equivalent to EUR 5,200/ha. Currently, based on State Register data, the value is approximately EUR 3,700/ha; however, there is no objective basis to assume that market value has materially decreased. It is likely that after a new independent valuation, the combined market value of both 12.10 ha land plots will amount to no less than EUR 62,920.

In terms of collateral coverage, based on State Register values the LTV currently amounts to 82%, while based on expected market value the LTV decreases to 57%, significantly strengthening the project’s security level for investors.

Taking into account the farmer’s long-term operating experience, stable asset structure, sufficient equity level, additional land collateral, and the refinancing objective aimed at stabilizing cash flow, the project may be assessed as a controlled-risk refinancing opportunity for the InSoil investor community.

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.