Ūkio paskola

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.