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.

LT0003670

Goal
25,000 €
Raised
2,100 €
8%
Return rate
12%
Rating
B+
Period
54
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxx Šxxxxxxxxx
Xxxxxxxxx, Xxxxxxx Xxxxxė, Xxxšxųxų 7
header_1
Declared
Owned
Farming land116.60 ha190.00 ha
20252024
Revenue 411,789.00 € 443,921.00 €
Net profit 57,782.00 € 65,409.00 €
Equity ratio 89.58% -

Investment calculator

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Interest

12%

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Interest rates:
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Project description
Documents
Payment schedule

Project Summary

The project belongs to a specialized organic farm operating in the Akmenė district since 2004. The farm focuses on sea buckthorn cultivation and processing, developing high value-added products. The requested financing is intended for working capital purposes.

Farm Overview

The farm was established in 2004 in the Akmenė district. It declares nearly 117 hectares of land, while the farmer owns approximately 190 hectares in total. Part of the owned land is cultivated by the farmer’s son under a loan-for-use agreement. The farm is fully organic and holds the relevant certification. It was one of the pioneers of commercial sea buckthorn cultivation in Lithuania.

Operating Model and Value Creation

The farm specializes in sea buckthorn berry cultivation and processing. Initially, only berries were harvested and sold, but since 2006 the farm has been producing sea buckthorn juice commercially. Currently, the farm produces and supplies 17 different product types to customers in Lithuania and abroad.
The farm manages one of the largest sea buckthorn cultivation areas in Eastern Europe dedicated to commercial production. Production includes both traditional Prussian sea buckthorn varieties historically grown in the Klaipėda region, as well as newer varieties such as “Mastis”, “Ščerbinka”, and “Sadovaja”. The farm is also developing a product line enriched with natural probiotics.

Technical Infrastructure

The farm operates with all necessary equipment for harvesting and processing sea buckthorn, ensuring a full value chain from cultivation to final product.

Financing Purpose

The requested funds will be used for the farm’s working capital needs.

Conclusion

The project represents an experienced organic farm producing high value-added products through a fully integrated value chain from sea buckthorn cultivation to final product. The farmer also owns a significant land base, while the requested financing is intended to support working capital needs and continuity of operations.

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.