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.

LT0003546

Goal
20,000 €
Raised
9,499 €
47%
Return rate
12%
Rating
A
Period
33
Time left
LTV
-
Country
Lithuania
Loan purpose
Equipment purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxx Xėxxx
Xxxxxxxx x. 2, Šxxxxxžxxxx xxx., Xxxxxxų x.
header_1
Declared
Owned
Farming land34.79 ha1.00 ha
20252024
Revenue 42,751.00 € 21,443.00 €
Net profit 11,045.00 € 3,170.00 €
Equity ratio 81.83% -

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Interest

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Interest rates:
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Project description
Documents
Payment schedule
Project Summary
The project belongs to a mixed farm operating in the Lazdijai district since 2019. The farm combines crop production and beef cattle farming, with operations carried out on a family basis. The requested financing is intended for upgrading the machinery fleet through the acquisition of a used timber truck for forest clearing works.

Farm Overview
The farm was established in 2019 in the Lazdijai district. It currently declares 35 hectares of land, of which 1 hectare is owned. In 2026, the declared area is expected to increase to 50 hectares. The farm operates a mixed business model and is gradually expanding its cultivated area.

Operating Model and Sustainability
The farm operates a mixed model. In crop production, the main crops are maize, wheat, and oats. In livestock farming, the farm raises 16 beef cattle. 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. Revenue is split approximately 60/40 in favor of livestock farming.

Family Farming Model and Additional Activity
The farm is operated together with the family, alongside the mother’s farm, which declares 50 hectares of land. Altogether, the family raises around 35 beef cattle and farms about 100 hectares of land, of which approximately 18 hectares are owned.
In addition, the farmer leases state-owned land plots where biomass preparation works are carried out. During the period from October 2025 to May 2026, this activity generated additional revenue of approximately EUR 30,000. This provides an extra income stream alongside the core farming business.

Financing Purpose
The requested funds will be used for upgrading the machinery fleet. The farm plans to acquire a used timber truck intended for forest clearing works.

Conclusion
The project represents a mixed family farm with a diversified operating model, an additional income source, and a clear development direction. The financing purpose is clearly defined and directly linked to strengthening the technical base and improving operational efficiency.

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.