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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.
LT0003443
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 11.26 ha | 4.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 9,911.60 € | 5,523.33 € |
| Net profit | - | - |
| Equity ratio | - | - |
Documents
Payment schedule
A crop farming business was established in 2020 in the Anykščiai district. The farmer currently cultivates 11.26 hectares of land, of which 4 hectares are owned. The farm grows key agricultural crops such as wheat, barley, buckwheat, and others, ensuring diversification and reducing dependence on the performance of a single crop.
Farm operations are organized efficiently – the farmer uses his own tractor and available equipment for land cultivation, while additional implements are shared with a nearby family farm operated by his father. This approach helps optimize costs and reduces the need for large capital investments in machinery.
The farmer already has practical experience in managing the farm and is consistently developing the business with a focus on efficiency and sustainable growth.
The farmer is currently applying to InSoil for a working capital loan, which will be used to prepare for the upcoming agricultural season – covering payments to suppliers, seeds, fertilizers, and other operational expenses. The financing is directly linked to ensuring continuity of operations and generating future income.
It is important to note that this is not the farmer’s first loan on the InSoil platform – a previous loan was fully repaid on time, demonstrating responsible financial behavior and strong payment discipline.
Considering the farmer’s experience, efficient farm management, diversified crop structure, and positive repayment history, the project is assessed as a reasonable investment opportunity with controlled risk and a clearly defined financing purpose.
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.