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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.
LT0003474
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 56.66 ha | 40.00 ha |
| 2025 | 2024 | |
|---|---|---|
| Revenue | 145,539.00 € | 170,380.00 € |
| Net profit | 35,191.00 € | 51,617.00 € |
| Equity ratio | 75.44% | - |
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A mixed farm established in 2015 in the Rokiškis district combines both crop production and livestock farming. The farm grows wheat, oats, peas, and grasslands, while also maintaining a herd of approximately 90 cattle, including dairy cows. This diversified structure ensures multiple income streams and reduces reliance on a single agricultural activity.
The farmer currently manages 56.66 hectares of land, of which 40 hectares are owned. Farming activities are carried out together with family members, and the total family-managed land area reaches approximately 250 hectares, allowing for more efficient use of resources and economies of scale.
The farm operates using shared machinery, including a tractor and other agricultural implements, ensuring the execution of essential farming operations and smooth day-to-day activities.
The farmer is currently applying to InSoil for a working capital loan, which will be used to finance the start of the season – covering payments to suppliers, as well as seeds, feed, and other operational expenses. The financing is directly linked to ensuring business continuity and generating future income.
It is important to note that the farmer is well known on the platform – since 2021, three loan agreements have been concluded, of which one remains active, and all payments are being made on time. This demonstrates a responsible approach to financial obligations and strong payment discipline.
Considering the farm’s diversified business model, family involvement, consistent repayment track record, and clearly defined financing purpose, the project is assessed as a reliable investment opportunity with balanced 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.