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.

LT0003428

Goal
36,000 €
Raised
3,204 €
8%
Return rate
14%
Rating
C+
Period
40
Time left
LTV
82%
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxx Xxxxxėxxxxė
Xxxxxxėx x., Xxxxxxxxx xxx., Xxxxxx, Xxxxxxx x. 1X
header_1
Declared
Owned
Farming land87.45 ha53.00 ha
20242023
Revenue 37,068.00 € 30,186.00 €
Net profit 13,854.00 € 10,090.00 €
Equity ratio 75.23% -

Investment calculator

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Interest

14%

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Interest rates:
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Project description
Documents
Payment schedule
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.

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.