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.

LT0003541

Goal
10,000 €
Raised
10,000 €
100%
Return rate
14%
Rating
B
Period
30
Time left
LTV
-
Country
Lithuania
Loan purpose
Farm buildings purchase/construction
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxxx Xxxxxxxx
Xxxxxxx x. 2, Žxxxxxxxxxxx x., Xxxxų xxx. Šxxxxėx x.
header_1
Declared
Owned
Farming land80.94 ha0.00 ha
20252024
Revenue 76,204.00 € 77,121.00 €
Net profit 14,164.00 € 18,055.00 €
Equity ratio 44.91% -
Project description
Documents
Payment schedule

Project Summary
The project belongs to an organic mixed farm operating in the Šilutė district since 2015. The farm combines crop production and livestock farming, and the requested financing is intended for working capital to prepare for the upcoming season, mainly for fuel purchases.

Farm Overview
The farm was established in 2015 in the Šilutė district and is fully organic with the relevant certification. It currently declares 81 hectares of land, all of which is leased. The farm operates a mixed model, combining crop production and livestock farming.

Operating Model and Sustainability
The farm is mixed. In crop production, the main crops are oats, wheat, buckwheat, peas, and lupins. In livestock farming, the farm keeps 30 animals, including 20 dairy cows and 10 youngstock. Revenue is distributed approximately 50/50 between the two activities.
Land is managed using no-till practices, supported by crop rotation and cover crops. Part of the grain production is used internally for feed, while the remaining part is sold. This operating model supports greater self-sufficiency and contributes to long-term sustainability.

Family Farming Model
The farm is operated together with the family, alongside the mother’s farm, which declares 39 hectares of land, all of which is owned. Altogether, the family operates more than 100 hectares of land and keeps around 40 dairy cows. This family farming structure strengthens the operational base and allows more efficient organization of daily farming activities.

Relationship with InSoil
The farm is a member of the InSoil community. The current outstanding balance of existing loans amounts to EUR 129,000. Payments are made on time.

Financing Purpose
The requested funds will be used for working capital purposes related to preparation for the upcoming season, mainly for fuel purchases.

Conclusion
The project represents an organic mixed farm with a diversified operating model, family farm synergy, and a clearly defined financing purpose. The financing is intended to ensure smooth continuity of operations and preparation for seasonal work.

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.