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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.
LT0003461
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 40.46 ha | 30.00 ha |
| 2025 | 2024 | |
|---|---|---|
| Revenue | 24,630.00 € | 29,784.00 € |
| Net profit | 5,868.00 € | 25,699.00 € |
| Equity ratio | 9.24% | - |
Documents
Payment schedule
Project Summary
The project belongs to an organic crop farming operation located in the Šilutė district, operating since 2014. The farm is run on a family basis and benefits from additional financial support through the guaranteeing company UAB Klaipėdos dyzelis. The requested financing is intended for working capital to prepare for the upcoming season.Farm Overview
The farm was established in 2014 in the Šilutė district and is fully organic, holding an official organic farming certificate. It currently declares 40 hectares of land, of which 30 hectares are owned. This reflects a significant share of owned land and stronger operational stability.The farm is operated on a family basis alongside the wife’s organic farm. Together, the family cultivates more than 150 hectares of land, of which approximately 35 hectares are owned.
Operating Model and Sustainability
The farm specializes in crop production. The main cultivated crops are wheat, oats, buckwheat, and lupins. The organic farming model is focused on sustainability, soil quality preservation, and long-term continuity.Additional Financial Support
The loan will be guaranteed by the farmer’s company, UAB Klaipėdos dyzelis, established in 2015. The company operates in Germany, installing heat recovery systems in public institutions such as schools and kindergartens under contract arrangements. The company cooperates with a recovery systems manufacturer that wins tenders and subcontracts installation work to the farmer’s company.The company employs three people – two permanent employees and the farmer himself, who joins operations during the off-season after harvest. In 2025, the company generated nearly EUR 170,000 in revenue and almost EUR 61,000 in profit, with a financial rating of A.
Relationship with InSoil
The farm is a member of the InSoil community. A loan of EUR 140,000 was granted for land acquisition, with a current outstanding balance of approximately EUR 105,000. Payments are being made on time.Financing Purpose
The requested funds will be used for working capital purposes related to preparation for the upcoming season, including fuel, seed purchases, machinery repairs, and outsourced services.Conclusion
The project represents an organic family farm with a significant share of owned land, a clear operating model, and strong additional financial backing through a profitable guaranteeing company. The financing purpose is clearly defined and aimed at ensuring smooth continuity of operations.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.