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.

LT0003444

Goal
74,249 €
Raised
37,943 €
51%
Return rate
13%
Rating
A
Period
56
Time left
LTV
49%
Country
Lithuania
Loan purpose
Equipment purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxx Xxxxxxx
Xxxxėx x. xxx., Šxxxėxų xxx., Xxxšxxxxxx, Xxžxxčxxx x. 5
header_1
Declared
Owned
Farming land16.64 ha6.00 ha
20252024
Revenue 12,753.00 € 15,993.00 €
Net profit 7,860.00 € 13,107.00 €
Equity ratio 29.77% -

Investment calculator

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Interest

13%

Preliminary earnings

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Important:
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Interest rates:
Investing from 100 € - 13%
Project description
Documents
Payment schedule

Project Summary
The project belongs to a mixed farm operating in the Kelmė district since 2020. The farm combines crop production and dairy farming and operates on a family basis together with the father’s farm. The requested financing is intended for the acquisition of machinery with NMA support, with the purchased equipment pledged as collateral.

Farm Overview
The farm was established in 2020 in the Kelmė district. It currently declares 16 hectares of agricultural land, 6 hectares of which are owned. The farm operates on a smaller scale but is integrated into a broader family farming structure.

Operating Model and Sustainability
The farm operates a mixed model, with crop production as the main activity. Wheat and barley are cultivated, and 6 dairy cows are kept. Land is managed using no-till practices, supported by crop rotation and cover crops. This model ensures diversified income and contributes to soil sustainability.
Farming is carried out on a family basis alongside the father’s farm, which declares approximately 140 hectares of land. Together, the family cultivates around 160 hectares, of which about 10 hectares are owned. Both farms operate mixed models, with approximately 10 cows in total, and the primary income is generated from crop production.

Relationship with InSoil
The father’s farm has been a member of the InSoil community since early 2025. It currently has two loans totaling EUR 20,000, with payments performed perfectly.

Financial Base and Security
The loan will be additionally secured by the father, who will act as a guarantor. The financial assessment is based on the father’s farm performance, with annual revenue of approximately EUR 140,000 and net profit of around EUR 22,000.

Financing Purpose
The requested funds will be used for the acquisition of machinery supported by NMA funding. The purchased equipment will be pledged as collateral for the loan.

Conclusion
The project represents a developing family farm with a clear growth direction, additional financial backing, and a diversified operating model. The financing is linked to investment in technical capacity, strengthening efficiency and long-term sustainability.

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.