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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.
LT0003456
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 160.70 ha | 37.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 369,449.00 € | 187,276.00 € |
| Net profit | 32,328.00 € | 11,676.00 € |
| Equity ratio | 68.75% | - |
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A crop farming business was established in 2005 in the Raseiniai district and has developed steadily over the years, building strong operational experience. The farmer currently cultivates 160.70 hectares of land, of which 37 hectares are owned.
The farm grows key agricultural crops such as wheat, barley, buckwheat, and other crops, ensuring diversification and reducing dependency on the performance of a single crop.
Farm operations are organized efficiently – the farmer uses his own combine harvester, two tractors, and other cultivation equipment, enabling independent execution of essential agricultural activities. The farm applies no-till farming practices, which help optimize costs, improve soil quality, and ensure sustainable farming operations.
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 business continuity and generating future income.
It should be noted that this is the farmer’s first loan on the InSoil platform; however, the client is already known and participates in a Carbon Farming program, demonstrating a commitment to sustainable and modern agricultural practices.
Considering the farmer’s long-term experience, efficient farm management, diversified crop structure, and clearly defined financing purpose, the project is assessed as a reliable 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.