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.

LT0003595

Goal
15,000 €
Raised
10,964 €
73%
Return rate
14%
Rating
A
Period
54
Time left
LTV
-
Country
Lithuania
Loan purpose
Land purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxxx Xxxxxxx
Xxxxxxxx 12, Xxxxxxx xxx., Xxxžų x.
header_1
Declared
Owned
Farming land210.08 ha62.85 ha
20252024
Revenue 408,669.00 € 289,148.00 €
Net profit 147,017.00 € 89,365.00 €
Equity ratio 52.56% -

Investment calculator

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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 an organic crop farming operation located in the Biržai district, operating since 2007. The farm carries out consistent crop production activities, applies sustainable land management practices, and operates within a broader family and related-business farming structure. The requested financing is intended for partial settlement of a land acquisition.

Farm Overview
The farm was established in 2007 in the Biržai district and is organic. It currently declares 210 hectares of land, of which 63 hectares are owned. The farm specializes in crop production and consistently develops its activity in line with organic farming principles.

Operating Model and Sustainability
The farm is engaged in crop production, primarily cultivating wheat, peas, oats, and buckwheat. Land is managed using no-till practices, supported by crop rotation and cover crops. This farming model focuses on soil preservation, more sustainable production, and long-term continuity of operations.

Scale of Operations and Additional Structure
It is also worth noting that the farmer owns a separate company, UAB „Einorių ūkis“, which declares an additional nearly 200 hectares, of which 4 hectares are owned. Together with family members, the total cultivated area reaches 410 hectares, of which nearly 70 hectares are owned. The jointly managed machinery fleet consists of around 60 units. This structure provides scale, flexibility, and more efficient organization of farming operations.

Relationship with InSoil
The farm is a member of the InSoil community and fulfills its financial obligations without issues.

Financing Purpose
The requested funds will be used for partial settlement of acquired assets: 3.68 hectares of agricultural land and 2.34 hectares of forest land. The investment is intended to strengthen the farm’s long-term asset base.

Conclusion
The project represents an operating organic crop farm with a clear business direction, significant operational scale, and a stronger overall base through family and related-business involvement. The financing purpose is clearly defined and directly linked to strengthening the long-term asset base.

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.