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.

LT0003583

Goal
20,000 €
Raised
9,635 €
48%
Return rate
13.5%
Rating
B+
Period
30
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxx XXXŽXXXXXXXĖ
Xxxų x. 1, Xxxxxxxxxx, Xėxxxxxų x.
header_1
Declared
Owned
Farming land242.76 ha106.31 ha
20252024
Revenue 263,003.00 € 277,788.00 €
Net profit -1,420.00 € -1,146.00 €
Equity ratio 4.97% -

Investment calculator

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Interest

13.5%

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 € - 13.5%
Project description
Documents
Payment schedule
Project Summary
The project belongs to a crop farming operation located in the Kėdainiai district, operating since 2007. The farm carries out consistent crop production activities and applies sustainable land management practices. The requested financing is intended for working capital to prepare for the upcoming season, mainly for fuel purchases and wages.

Farm Overview
The farm was established in 2007 in the Kėdainiai district. It currently declares 243 hectares of agricultural land, of which 106 hectares are owned. A significant share of owned land provides a strong foundation for long-term operations and greater business stability.

Operating Model and Sustainability
The farm specializes in crop production, primarily cultivating wheat, rapeseed, and barley. Land is managed using no-till practices, supported by crop rotation and cover crops. This farming model focuses on preserving soil structure and ensuring long-term operational continuity.

Financial Situation
Due to adverse weather conditions and low crop prices, the farm recorded a net loss of EUR –1,420. However, after accounting for depreciation of fixed assets, EBITDA remained positive in both 2025 and 2024, amounting to EUR +21,660 and EUR +23,465 respectively. The farm maintained sufficient cash flows to meet all existing financial obligations.

Relationship with InSoil
The farm is a member of the InSoil community. It currently has one active loan with an outstanding balance of EUR 123,000. 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 and wages.

Conclusion
The project represents an operating crop farm with a significant share of owned land, a clearly defined financing purpose, and sufficient operating cash flows. The financing is intended to ensure smooth seasonal preparation and 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.