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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.
LT0003496
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Dirbama žemė | 51.02 ha | 5.00 ha |
| 2025 | 2024 | |
|---|---|---|
| Revenue | 83,739.00 € | 84,241.00 € |
| Net profit | 8,128.00 € | 27,693.00 € |
| Equity ratio | 14.7% | - |
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A crop farming business was established in 2010 in the Kėdainiai district and has built substantial farming experience while consistently developing its operations over the years. The farmer currently cultivates 51.02 hectares of land, of which 5 hectares are owned.
The farm grows key agricultural crops such as wheat, barley, buckwheat, and other crops, ensuring diversified operations and reducing risks associated with fluctuations in crop yields or market prices.
Farm operations are organized efficiently – the technical base includes an owned combine harvester, two tractors, and other cultivation machinery and implements, allowing the farmer to independently carry out all essential agricultural operations.
The farmer has practical farming experience and continuously invests in farm development, focusing on operational efficiency and sustainable growth.
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, purchasing seeds and fertilizers, financing other operational expenses, and acquiring a small land plot.
It should be noted that this is not the farmer’s first loan on the InSoil platform – three loans have previously been granted, of which two have already been fully repaid. This demonstrates a responsible approach to financial obligations and establishes a positive repayment history on the platform.
Considering the farmer’s accumulated experience, diversified farming activities, existing technical base, and positive repayment history, the project is assessed as a reliable investment opportunity with a clearly defined financing purpose and 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.