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.

LT0003432

Goal
15,000 €
Raised
15,000 €
100%
Return rate
12%
Rating
A
Period
32
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxx Xxxxxxxxxxė
Šxxxų x. xxx., Xxxxxxxx Xxxxxxxčxx xxx., Xxxxxxxx Xxxxxxxxxx, Xxxxxxxšxxx x. 47
header_1
Declared
Owned
Farming land54.04 ha13.00 ha
20252024
Revenue 44,546.00 € 40,730.00 €
Net profit 22,383.00 € 38,674.00 €
Equity ratio 32.47% -
Project description
Documents
Payment schedule

Farm Overview
Since 2023, a crop farm has been operating in the Šakiai district, growing wheat, rapeseed, and other agricultural crops. The total cultivated arable land amounts to 54.04 ha, of which 13 ha are owned by the farm.
The farm applies no-till farming practices, which help optimize costs, improve soil structure, and ensure sustainable agricultural operations in the long term.

Machinery and Technical Base
The farm’s technical base includes a tractor, a seed drill, a sprayer, a trailer, and other cultivation implements. This machinery allows the farmer to independently and timely perform the main agricultural operations throughout the season.

Purpose of Financing
The farmer has applied to InSoil for a loan intended to increase working capital and prepare for the upcoming spring season, ensuring smooth and uninterrupted farm operations.
It should be noted that this is the farmer’s first project on the InSoil platform; however, the loan will also be secured by the spouse’s personal guarantee. The spouse is also engaged in farming activities and has been using InSoil services since 2022, with all existing loan obligations being fulfilled on time.
Considering the clear financing purpose, available technical capacity, and additional guarantee, the project can be assessed as a 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.