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.

LT0003542

Goal
34,000 €
Raised
34,000 €
100%
Return rate
14%
Rating
B
Period
56
Time left
LTV
76%
Country
Lithuania
Loan purpose
Investment to increase production
Business information
Security measures
Loan history
Project owner
Address
Ūxxxxxxxx (-ė) Xxxxxxx Xxxxxxxx
Xxxxxx x. 15, Xxxxxx x., Xxxxx xxx. Xxžxxxxų xxxxxx xxx.
header_1
Declared
Owned
Dirbama žemė93.00 ha70.00 ha
20252024
Revenue 30,016.00 € 35,396.00 €
Net profit 11,517.00 € 18,726.00 €
Equity ratio 73.59% -
Project description
Documents
Payment schedule

Project Summary
The project belongs to a mixed farm operating in the Mažeikiai district since 1995. The farm combines crop production and beef cattle farming, with operations carried out for more than three decades. The requested financing is intended for the acquisition of used machinery and partly for working capital.

Farm Overview
The farm was established in 1995 in the Mažeikiai district. It currently declares 93 hectares of land, of which 70 hectares are owned. A significant share of owned land provides a strong foundation for long-term operations and greater stability.

Operating Model and Sustainability
The farm operates a mixed model. In crop production, the main crops are oats, wheat, and peas. In livestock farming, the farm raises around 40 beef cattle. Revenue is distributed approximately 50/50 between these 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 model supports greater self-sufficiency and a diversified income structure.

Additional Activity
In addition, the farm has a fitted-out van used to travel between towns and sell meat directly. This provides an additional sales channel and allows direct access to end customers.

Relationship with InSoil
The farm has been a member of the InSoil community since 2021. During this period, it has had 5 loans in total, of which 4 have already been fully repaid. The total repaid amount is EUR 117,000. The farm currently has one active loan with an outstanding balance of EUR 33,000.

Financing Purpose
The requested funds will be used for the acquisition of used machinery and partly for working capital. The investment is intended to strengthen the technical base and ensure smooth day-to-day operations.

Conclusion
The project represents an experienced mixed farm with a significant share of owned land, a diversified operating model, and an existing cooperation history with InSoil. The financing purpose is clearly defined and related both to strengthening technical capacity and ensuring 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.