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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.
LT0003442
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 63.85 ha | 80.00 ha |
| 2025 | 2024 | |
|---|---|---|
| Revenue | 62,661.00 € | 52,004.00 € |
| Net profit | 75,632.00 € | 74.00 € |
| Equity ratio | 87.67% | - |
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A crop farming business was established in 2015 in the Ukmergė district, specializing in grain cultivation. According to the 2025 crop declaration, the farm is primarily focused on wheat and rapeseed, with part of the land allocated to barley and other crops, ensuring diversification and reducing dependence on a single crop’s performance.
The farmer currently cultivates 63.85 hectares of land, while approximately 80 hectares are owned. The total family-operated farm area reaches around 1,000 hectares, enabling efficient organization of operations, shared use of machinery, and optimized cost structure. The farm applies no-till farming practices, which help reduce fuel costs, improve soil structure, and ensure sustainable agricultural operations.
The farm has a developed technical base, allowing it to independently carry out key agricultural activities. The machinery fleet includes a combine harvester, a tractor, and other essential farming equipment, ensuring efficient execution of fieldwork throughout the season.
According to the submitted financial statements, the farm generated €62,661 in sales revenue in 2025, of which €12,253 consisted of subsidies, contributing to overall operational stability and supporting cash flow balance.
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. The financing is directly linked to operational continuity and preparation for the next harvest cycle. The loan will be secured by a guarantee from a neighboring farm.
Considering the farmer’s experience, application of advanced farming practices, stable operations, and clearly defined financing purpose, the project is assessed as a reasonable investment opportunity with controlled risk.
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.