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.

LT0003616

Goal
76,500 €
Raised
40,849 €
53%
Return rate
13%
Rating
B+
Period
36
Time left
LTV
90%
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxė Xxčxxxxxė
Šxxxčxxxxų x., Xxxxxxxšxėx x., Xxxxxų xxx.
header_1
Declared
Owned
Farming land173.16 ha173.16 ha
20252024
Revenue 94,098.00 € 95,365.00 €
Net profit 40,803.00 € 43,108.00 €
Equity ratio 35.24% -

Investment calculator

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Interest

13%

Preliminary earnings

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Interest rates:
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Project description
Documents
Payment schedule

Project Summary
The project belongs to an organic mixed farm operating in the Švenčionys district since 2008. The farm specializes in dairy production and crop farming, with all activities carried out in line with certified organic farming principles. The requested financing is intended for refinancing existing loans by adjusting repayment schedules from seasonal to monthly installments, as well as for additional working capital to prepare for the harvest season.

Farm Overview
The farm was established in 2008 in the Švenčionys district. It declares 173 hectares of land, all of which is owned. The farm is 100% organic and holds the relevant certification. Farming is carried out on a family basis, alongside the farms of the farmer’s two sons. Together, the family cultivates around 400 hectares of land and raises about 100 cows.

Operating Model and Sustainability
The farm operates a mixed model, with dairy farming as its main activity. Approximately 70% of revenue is generated from milk production, with around 40 dairy cows. The remaining 30% comes from cereal crop production, part of which is used for feed. Land is managed using no-till practices, supported by cover crops and crop rotation. This farming model focuses on soil preservation and long-term sustainability. As the farm’s core cash flow is generated from dairy operations, a monthly repayment schedule is the most suitable structure for the business.

Relationship with InSoil
The farm has been a member of the InSoil community since 2024. To date, 3 loans have already been fully repaid, with a total amount of EUR 71,000. After refinancing, the farm’s loan portfolio will consist of 4 loans with a total amount of EUR 176,000.

Financing Purpose
The requested funds will be used to refinance existing loans No. LT0003040, LT0003081, and LT0002235 by changing their repayment schedules from seasonal to monthly installments. In addition, part of the funds will be used as working capital related to preparation for the harvest season.

Conclusion
The project represents an experienced organic family farm with a significant share of owned land, a diversified income structure, and a clearly established dairy-focused operating model. The financing purpose is clearly defined and aimed both at refinancing existing liabilities through a more suitable monthly repayment schedule and at providing additional support for 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.