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.

LT0003519

Goal
8,400 €
Raised
8,400 €
100%
Return rate
13%
Rating
B+
Period
34
Time left
LTV
60%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxxxxx Xxxxxxxčxxx
Xxxėxxų xxx., Xxxxxšxxų xxx., Xxxxxxxxxxxxx
header_1
Declared
Owned
Farming land41.67 ha20.24 ha
20252024
Revenue 17,689.00 € 8,792.00 €
Net profit 14,741.00 € 8,678.00 €
Equity ratio 22.52% -
Project description
Documents
Payment schedule

Project Summary

The project belongs to a livestock farm operating in the Pagėgiai district since 2010. The farm specializes in beef cattle farming, and the requested financing is intended for working capital to cover existing obligations following an unsuccessful 2025 season.

Farm Overview
The farm was established in 2010 in the Pagėgiai district. It currently declares 41 hectares of land, of which 20 hectares are owned. The farm is engaged in livestock farming and focuses on beef cattle production.

Operating Model
The farm is engaged in beef cattle farming. Cattle are purchased young, raised on the farm, and later sold for meat. Most of the farm’s land is sown with grass used for feed. The farm currently holds 30 beef cattle, which are planned to be sold at the beginning of 2027. The 2026 plan foresees increasing the herd to 50 cattle.

Security
As collateral for the loan, the borrower will pledge 107 m² administrative premises located at Vytauto g. 2-3, Pagėgiai. This provides additional security for repayment.

Financial Situation
The year 2025 was unsuccessful for the farm, as part of the livestock had to be destroyed due to disease, which caused financial difficulties. In response to this situation, the farm insured its livestock in 2026.

Relationship with InSoil
The farm is a member of the InSoil community. It currently has one active loan with an outstanding balance of EUR 14,000.

Financing Purpose
The requested funds will be used for working capital to cover existing obligations. The financing need arose after the unsuccessful 2025 season, when the farm faced difficulties in repaying its existing loan.

Conclusion
The project represents an experienced livestock farm with a clear operating model, additional collateral, and a defined financing purpose. The financing is intended to stabilize the situation after an unsuccessful season and ensure 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.