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.

LT0003597

Goal
10,000 €
Raised
6,498 €
64%
Return rate
15%
Rating
B
Period
20
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxxx Xxxxxxxxx
Šxšxxėx x. 32, Xxxxčxxxxxx, Xxxxxxxxxxėx x.
header_1
Declared
Owned
Farming land65.01 ha21.11 ha
20252024
Revenue 67,529.00 € 80,049.00 €
Net profit 12,099.00 € -11,513.00 €
Equity ratio 48.64% -

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Project description
Documents
Payment schedule

Project Summary
The project belongs to a crop farming operation located in the Marijampolė district, operating since 2014. The farm carries out crop production activities and is additionally supported by a separate income stream from the logistics sector. The requested financing is intended for preparation for the harvest season.

Farm Overview
The farm was established in 2014 in the Marijampolė district. It currently declares 65 hectares of agricultural land, of which 21 hectares are owned. The farm operates on a smaller scale but has accumulated solid operating experience and maintains a clear farming direction.

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

Additional Activity and Diversification

In addition, the farmer is engaged in logistics operations, managing 3 trucks and 3 tipper semi-trailers used for transporting bulk cargo across Europe. The drivers are employed staff. Revenue from the logistics business is of a similar size to the farm’s revenue, which makes the overall business model diversified. This structure helps distribute part of the risk between the agricultural and transport sectors and contributes to greater overall financial stability.

Relationship with InSoil
The farm is a member of the InSoil community. It currently has one active loan, which is being repaid successfully, with an outstanding balance of EUR 23,000.

Financing Purpose
The requested funds will be used for preparation for the harvest season. The financing is intended to ensure smooth organization of seasonal work and continuity of operations.

Conclusion
The project represents an operating crop farm with a clear business direction, an additional diversified income structure, and an existing cooperation history with InSoil. The financing is intended to ensure smooth preparation for the harvest season.

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.