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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.
LT0003479
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 214.89 ha | 43.73 ha |
| 2025 | 2024 | |
|---|---|---|
| Revenue | 114,047.00 € | 167,189.00 € |
| Net profit | 14,379.00 € | 12,218.00 € |
| Equity ratio | 35.09% | - |
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A crop farming business has been operating in the Alytus district for more than 22 years, having built substantial experience and ensuring stable and consistent farm operations. The farm grows key agricultural crops such as wheat, rapeseed, and beans, enabling diversification and reducing risks associated with fluctuations in yields and market prices.
The farmer currently cultivates 214.89 hectares of land, of which 43.73 hectares are owned. The farm applies no-till farming practices, which help optimize costs, improve soil quality, and ensure sustainable and modern agricultural operations.
The farm’s technical base includes a combine harvester, several tractors, and all essential cultivation equipment, such as a seeder, cultivator, sprayer, and other implements, allowing the farmer to independently carry out all key agricultural operations.
The farmer is currently applying to InSoil for a €15,000 working capital loan, which will be used to prepare for the harvest season – covering fuel and other operational expenses. The financing is directly linked to ensuring business continuity and preparing for the upcoming harvest.
It is important to note that the farmer is well known on the platform – since 2021, three loan agreements have been concluded, of which two have already been fully repaid, and all obligations are being fulfilled on time without delays. This demonstrates a responsible approach to financial commitments and strong payment discipline.
Considering the farmer’s long-term experience, stable operations, strong technical base, and excellent repayment history, the project is assessed as a reliable investment opportunity with controlled risk and a clearly defined financing purpose.
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.