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.

LT0003581

Goal
20,000 €
Raised
14,352 €
71%
Return rate
11.5%
Rating
A
Period
24
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxxxx Xxxčxxxxx
Xxxšxų xx., Xxėxxxų xxx.
header_1
Declared
Owned
Farming land401.38 ha300.59 ha
20252024
Revenue 369,558.00 € 398,297.00 €
Net profit 34,734.00 € -2,422.00 €
Equity ratio 47.68% -

Investment calculator

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Interest

11.5%

Preliminary earnings

0.00 €

Important:
The calculator provided is preliminary and the projected earnings are determined based on the preliminary principal repayment schedule.
Interest rates:
Investing from 100 € - 11.5%
Project description
Documents
Payment schedule
The farmer has been engaged in agricultural activities since 1995 and currently cultivates 401.38 hectares of land, of which 300.59 hectares are owned. A large share of owned land and long-term farming experience provide a strong foundation for stable operations and further development.

The farm specialises in crop production, growing wheat, barley, triticale, oilseed rape, beans, and peas. This crop structure supports production diversification, helps maintain crop rotation, and reduces dependency on a single crop or market price fluctuations.

The farmer actively applies no-till farming practices, which help preserve soil structure, reduce cultivation costs, and support the long-term productivity of the cultivated land. Looking ahead, the farmer plans to continue expanding the farm by increasing the cultivated land area.

The farm’s machinery fleet includes three reliable and high-capacity tractors, a high-class combine harvester, a direct seed drill for stubble fields, a small-seed drill, a sprayer, harrows, two disc cultivators, a soil compaction roller, a loader, a grain dryer, four tractor trailers, a new smart fertiliser spreader, and other necessary equipment. This technical base enables the farm to independently carry out key field operations, efficiently organise seasonal work, ensure high-quality harvest preparation, and maintain a smooth production process.

The farmer works together with his son, while an additional employee is hired during the busiest part of the season to ensure timely and efficient harvesting and completion of other key farm operations.

The current financing is intended for working capital, supporting smooth seasonal operations, maintaining financial flexibility, and ensuring a stable farming cycle.

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.