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.

LT0003693

Goal
30,000 €
Raised
19,856 €
66%
Return rate
13%
Rating
B+
Period
36
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxxxxxxxx
Xxxxxxxxx, Xxxxxėxx, Xxxxxxxxx x. 6-4
header_1
Declared
Owned
Farming land18.67 ha30.00 ha
20252024
Revenue 72,627.00 € 50,756.00 €
Net profit 31,207.00 € 32,850.00 €
Equity ratio 48.41% -

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 a specialized berry farm operating in the Klaipėda district since 2006. The farm grows strawberries and raspberries, focusing on a niche and seasonal agricultural segment where timely preparation for each stage of the production cycle is important. The requested financing is intended for working capital and the acquisition of additional machinery.

Farm Overview
The farm was established in 2006 in the Klaipėda district. It currently declares 18 hectares of land, while total owned land amounts to 30 hectares. The remaining 12 hectares are declared by the farmer’s wife’s farm. Part of the family-owned land is therefore operated through separate family farms.

Operating Model and Specialization
The farm specializes in berry production, primarily growing strawberries and raspberries. This specialization allows the farm to focus on a niche agricultural segment where seasonality, timely preparation, and proper organization of the full growing and harvesting cycle are particularly important.

Relationship with InSoil
The farm has been a member of the InSoil community since 2023. During the cooperation period, 3 loans with a total amount of EUR 27,500 have been fully repaid. Currently, there is one active loan with an outstanding balance of approximately EUR 13,000.

Financing Purpose
The requested funds will be used for working capital needs and the acquisition of additional machinery. Part of the financing will be allocated to the purchase of seedlings, fuel, and other inputs required for farm operations, while the farm also plans to purchase several agricultural implements from abroad.

Conclusion
The project represents a specialized berry farm with long operating experience, a clearly defined business focus, an owned land base, and an established cooperation history with InSoil. The financing purpose is clearly defined and aimed both at supporting current operating needs and acquiring additional machinery.

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.