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.

LT0003480

Goal
41,600 €
Raised
41,600 €
100%
Return rate
12%
Rating
B+
Period
36
Time left
LTV
90%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxė Xxčxxxxxė
Šxxxčxxxxų x., Xxxxxxxšxėx x., Xxxxxų xxx.
header_1
Declared
Owned
Farming land174.72 ha174.72 ha
20252024
Revenue 94,098.00 € 95,365.00 €
Net profit 40,803.00 € 43,108.00 €
Equity ratio 36.36% -
Project description
Documents
Payment schedule
Project Summary
The project belongs to an organic mixed farm operating in the Švenčionys district since 2008. The farm specializes in dairy production and crop farming, with all activities carried out in line with certified organic farming principles. The requested financing is intended for working capital for seasonal preparation and for the full repayment of part of the existing liabilities.

Farm Overview
The farm was established in 2008 in the Švenčionys district. It declares 175 hectares of land, all of which is owned. The farm is 100% organic and holds the relevant certification. Farming is carried out on a family basis, alongside the farms of the farmer’s two sons. Together, the family cultivates around 400 hectares of land and raises about 100 cows.

Operating Model and Sustainability
The farm operates a mixed model. Approximately 70% of revenue is generated from milk production, with around 40 dairy cows. The remaining 30% comes from cereal crop production, part of which is used for feed. Land is managed using no-till practices, supported by cover crops and crop rotation. This farming model focuses on soil preservation and long-term sustainability.

Relationship with InSoil
The farmer is an active member of the InSoil community. Currently, there are 6 active loans with a total outstanding balance of EUR 135,000. One loan of EUR 32,000 has already been fully repaid. Payment discipline is excellent, with not a single day of delay throughout the entire cooperation period.

Financing Purpose
The requested funds will be used for seasonal preparation and optimization of existing liabilities. As two loans are already partially amortized, approximately EUR 29,000 will be allocated to the full repayment of two existing loans (LT0002896 and LT0002767), while the remaining amount of approximately EUR 12,600 will be used as working capital for the farmer’s operations.

Conclusion
The project represents an experienced organic family farm with a significant share of owned land, a diversified income structure, and strong repayment discipline. The financing purpose is clearly defined and aimed both at ensuring smooth seasonal preparation and at fully repaying part of the existing liabilities.

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.