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.

LT0003614

Goal
15,000 €
Raised
15,000 €
100%
Return rate
14%
Rating
B+
Period
12
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxxxx Xxxxxxxx
Xxxxxxxxų x., Xxxšxų xxx. Šxxxų xxxxxx xxx.
header_1
Declared
Owned
Farming land448.67 ha225.00 ha
20252024
Revenue 437,231.00 € 554,060.00 €
Net profit -15,968.00 € -89,503.00 €
Equity ratio 0.56% -
Project description
Documents
Payment schedule

Project Summary
The project belongs to a crop farming operation located in the Šakiai district, operating since 1999. The farm has nearly 30 years of experience in a region considered one of the most fertile in Lithuania. The requested financing is intended for working capital to prepare for the upcoming season.

Farm Overview
The farm was established in 1999 in the Šakiai district. It currently declares 448 hectares of agricultural land, of which 225 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 is engaged in crop production, primarily cultivating wheat, rapeseed, peas, and barley, while also growing organic potatoes. 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.

Financial Situation
Due to adverse weather conditions and low crop prices, the farm recorded a net loss of EUR 15,968. However, after accounting for depreciation of fixed assets, EBITDA for 2025 remained positive and amounted to EUR 15,323. The farm maintained sufficient cash flows to meet all existing financial obligations.

Relationship with InSoil
The farm is a member of the InSoil community and currently has an active loan of EUR 128,000, which is being repaid on time.

Financing Purpose
The requested funds will be used for working capital purposes related to preparation for the upcoming season and to ensure smooth continuity of farm operations.

Conclusion
The project represents an experienced crop farm with a significant share of owned land, a sustainable farming model, and sufficient operating cash flows. The financing purpose is clearly defined and aimed at ensuring preparation for the upcoming 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.