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.

LT0003642

Goal
30,000 €
Raised
14,203 €
47%
Return rate
12.41%
Rating
A
Period
30
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxx Xxxxxxč
Xxxxxxxxx, Xxxxxxxxx, Šxxėxų x. 26, Xxxxxxxxx, Xxxxxxxx xxx.
header_1
Declared
Owned
Farming land506.12 ha19.00 ha
20252024
Revenue 179,728.00 € 236,149.00 €
Net profit 631.00 € 17,194.00 €
Equity ratio 31.73% -

Investment calculator

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Interest

12.41%

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Interest rates:
Investing from 100 € - 12.41%
Project description
Documents
Payment schedule

The farmer has been engaged in agricultural activities in the Vilnius district since 2013. In 2026, the farm declares 118 fields with a total area of 506.12 hectares, of which approximately 19 hectares are owned. Compared to 2025, when 379.93 hectares were declared, the cultivated land area increased by more than 126 hectares within one year. This reflects active farm expansion and increasing production capacity.

The farm operates as a mixed agricultural business, with crop production as its main activity. Winter wheat and spring barley account for the largest share of the declared area, together covering more than 322 hectares. The farm also grows spring oats, spring wheat, winter oilseed rape, buckwheat, protein crop mixtures, maize, lucerne, clover, and other crops. This diversified crop structure supports crop rotation and reduces dependency on a single crop, harvest outcome, or market price fluctuations.

In addition to crop production, the farmer also keeps livestock for milk and meat production. This mixed operating model enables the farm to use its resources more efficiently, allocate part of its crop production to animal feed, and maintain a more balanced operating and income cycle.

The farm’s machinery fleet includes two combine harvesters, eight tractors, and other necessary agricultural equipment. This technical base enables the farmer to independently carry out key field operations, efficiently organise seasonal work, complete harvesting on time, and ensure a smooth production process across a large cultivated area.

In 2025, the farm’s total income, including grants and subsidies, amounted to €179,728, compared to €236,149 in 2024. The decrease was caused by lower sales revenue from agricultural production and a lower amount of grants and subsidies received. In addition, part of the production had not yet been sold by the end of the year and remained recognised as inventory, the value of which increased from €107,583 to €169,747.

The current financing is intended for working capital. Following the significant increase in the cultivated land area, the farm requires additional funding for seeds, fertilisers, crop protection products, fuel, and other seasonal operating expenses. The financing will support smooth seasonal operations, maintain financial flexibility, and ensure a stable operating cycle for the mixed farm.

The farm’s large and expanding cultivated area, diversified operating structure, strong machinery base, and long-term farming experience provide a solid foundation for continued operations and further development.

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.