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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.
LT0003440
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 95.09 ha | 9.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 107,324.00 € | 98,415.00 € |
| Net profit | 43,269.00 € | 65,190.00 € |
| Equity ratio | 36.81% | - |
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The farm, established in 2010 in the Zarasai district, is a well-developed mixed agricultural operation successfully combining crop production and livestock farming, ensuring diversified income streams and reduced operational risk. The farm currently maintains approximately 600 sheep, while the crop production segment focuses on wheat, oats, and barley cultivation, enabling efficient use of land resources and adaptability to market conditions.
The farmer declares a total land area of 95.09 hectares, part of which is owned, and operates in accordance with organic farming standards. This approach not only supports long-term cost efficiency but also enhances the farm’s resilience to market fluctuations and contributes to sustainable agricultural development.
The farm is fully equipped with the necessary machinery, including a combine harvester, three tractors, and other essential agricultural equipment, allowing all key farming operations to be carried out independently and efficiently throughout the season, ensuring stable harvesting and operational flexibility.
According to the submitted financial statements, the farm demonstrates a strong financial position, with total assets of approximately EUR 573 thousand, stable profitability (around EUR 43 thousand net profit), and positive operating cash flows, confirming the farm’s ability to meet its financial obligations and sustain further growth .
The farmer has been a reliable client of the InSoil platform since 2021, having concluded eight loan agreements during this period, three of which are currently active, all serviced on time. This reflects strong financial discipline and a high level of reliability towards investors.
The farm is currently seeking additional financing to strengthen its working capital and prepare for the upcoming spring season, including the purchase of seeds, fertilizers, fuel, and other essential inputs, ensuring smooth and uninterrupted operations. It is important to emphasize that the financing is intended to support operational continuity and growth rather than to address financial difficulties.
Taking into account the farmer’s long-standing experience, diversified business model, sustainable farming practices, well-established technical base, stable financial performance, and impeccable repayment history on the InSoil platform, the project is assessed as a reliable and attractive investment opportunity, offering a balanced risk-return profile while contributing to the sustainable development of the Lithuanian agricultural sector.
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.