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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.
LT0003439
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 368.18 ha | 180.00 ha |
| 2025 | 2024 | |
|---|---|---|
| Revenue | 453,351.00 € | 344,560.00 € |
| Net profit | 474,644.00 € | -101,653.00 € |
| Equity ratio | 33.61% | - |
Documents
Payment schedule
A crop farming business was established in 2011 in the Ukmergė district, specializing in the cultivation of grain crops. According to the 2025 crop declaration, the farm primarily grows wheat and rapeseed, with part of the land allocated to barley and other crops, ensuring a diversified and balanced crop structure that helps mitigate operational risk.
The farmer currently cultivates 368.18 hectares of land, of which approximately 180 hectares are owned. The total family-operated farm area reaches around 1,000 hectares, reflecting a significant scale of operations and extensive agricultural experience.
The farm has a fully developed technical base, enabling it to independently carry out all key agricultural operations. The machinery fleet includes a combine harvester, three tractors, and other essential farming equipment, ensuring efficient fieldwork and high-quality crop production.
Based on the submitted financial statements, the farm generates stable revenue (sales revenue amounted to €406.166 in 2025) and also receives substantial subsidies that contribute to overall operational stability. Although a negative result was recorded in the reporting period due to market fluctuations and increased costs, this is typical for the cyclical nature of the agricultural sector. At the same time, the farm maintains a strong asset base, providing a solid foundation for financial stability.
The farm is currently seeking financing to increase working capital, which will be used to settle payments with suppliers and ensure smooth ongoing operations, particularly in preparation for the upcoming agricultural season.
To secure the loan, three land plots owned by the farmer will be pledged, with their value determined based on official Register Centre data, providing investors with clear and liquid collateral.
Considering the farm’s scale, long-standing operational experience, diversified crop structure, strong technical base, and pledged collateral, the project is assessed as reliable and well-positioned to meet its financial obligations.
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.