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.

LT0003445

Goal
20,000 €
Raised
10,200 €
51%
Return rate
12%
Rating
A
Period
32
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Žxxxxxxx Xxxxxxxxx
Xxxxxxšxėx x. 3, Xxxxxų xxx., Šxxxčxxxxų x. xxx.
header_1
Declared
Owned
Farming land162.37 ha150.00 ha
20242023
Revenue 124,446.00 € 42,033.00 €
Net profit 64,172.00 € -34,182.00 €
Equity ratio 38.24% -

Investment calculator

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Interest

12%

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Interest rates:
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Project description
Documents
Payment schedule

Project Summary

The project belongs to an organic crop farming operation located in the Švenčionys district, operating since 2008. The farm specializes in organic crop production and seed production, applying sustainable farming practices. The requested financing is intended for working capital as well as planned machinery acquisition.

Farm Overview

The farm was established in 2008 in the Švenčionys district. It currently declares 162 hectares of agricultural land, of which 150 hectares are owned. This indicates a strong capital base and long-term operational stability. Farming is carried out on a family basis alongside the son’s organic farm. Together, the family cultivates nearly 220 hectares of land, approximately 170 hectares of which are owned.

Operating Model and Sustainability

The farm specializes in organic crop production and seed production and holds an organic certification. The main cultivated crops are winter rye, buckwheat, and mustard. Land is managed using no-till practices, supported by crop rotation and cover crops. This farming model focuses on soil preservation, biodiversity, and long-term sustainability.

Family Farming Model

Farming activities are integrated with the family farm, allowing efficient use of machinery, labor, and larger land areas. This model ensures operational stability and flexibility.

Financing Purpose

The requested funds will be used for working capital related to preparation for the upcoming season, as well as for the planned purchase of a tine cultivator from abroad, aimed at improving soil cultivation efficiency.

Conclusion

The project represents a strong organic farm with a high share of owned land, clear specialization, and family farming synergy. The financing is intended to support both operational continuity and efficiency improvements through investment in technical capacity.

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.