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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.
LT0003521
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 269.20 ha | 30.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 289,082.00 € | 290,767.00 € |
| Net profit | 32,187.00 € | 31,582.00 € |
| Equity ratio | 29.55% | - |
Documents
Payment schedule
A farm established in 2014 in the Alytus district operates as a mixed agricultural business, combining both crop production and livestock farming activities. The farmer manages 269.20 hectares of agricultural land, of which 30 hectares are owned, while the remaining area is leased. The main crops grown on the farm are wheat, triticale, rapeseed, and peas. The livestock operation consists of approximately 60 beef and dairy cattle, ensuring diversification of activities and reducing seasonal risks.
The farm is equipped with essential agricultural machinery, including three tractors, a combine harvester, a sprayer, and other cultivation equipment, allowing the farmer to independently and efficiently carry out the main farming operations throughout the season. The farmer has previously cooperated with InSoil and has a positive history of timely loan repayments.
The farmer is applying to the InSoil investor community for a loan intended to strengthen working capital. The financing will be used to prepare for the upcoming season and cover key operational expenses, including fertilizers, seeds, fuel, feed, and machinery maintenance. The financing will directly contribute to ensuring smooth farm operations and proper preparation for the new season.
It should be noted that the farmer has been an InSoil client since 2021 and during this period has concluded eight loan agreements, three of which are currently active. Previous financial obligations have been fulfilled responsibly, and loans have been repaid on time, confirming the farmer’s reliability and responsible approach toward financial obligations.
To secure the loan obligations, two land plots owned by the farmer will be pledged, providing investors with additional financing security.
Considering the scale of the farm, diversified operations, accumulated farming experience, strong 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.