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.

LT0003718

Goal
25,000 €
Raised
4,114 €
16%
Return rate
13%
Rating
A+
Period
39
Time left
LTV
-
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxxxūxxx
Xxxxxxxxx, Xxxxxėžxx, Xxxxx
header_1
Declared
Owned
Farming land10.69 ha5.00 ha
20252024
Revenue 49,363.20 € 22,464.65 €
Net profit 0.00 € 0.00 €
Equity ratio 0% -

Investment calculator

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Interest

13%

Preliminary earnings

0.00 €

Important:
The calculator provided is preliminary and the projected earnings are determined based on the preliminary principal repayment schedule.
Interest rates:
Investing from 100 € - 13%
Project description
Documents
Payment schedule
Project Summary
The project belongs to a vegetable farm operating in the Panevėžys district since 2022. Although the farm was formally established relatively recently, the farmer has been involved in agriculture since childhood, initially working on the grandparents’ farm and later on the parents’ farm. The requested financing is intended to refinance two existing loans into one new loan, thereby restructuring future repayments and preserving more working capital for ongoing farm operations.

Farm Overview
The farm was established in 2022 in the Panevėžys district. It currently declares nearly 11 hectares of agricultural land, of which 5 hectares are owned. Although the independent farm has a relatively short formal operating history, the farmer has extensive practical agricultural experience, having been involved in the grandparents’ and later the parents’ farming activities since childhood. After inheriting a homestead, the farmer decided to establish an independent farm, applying the accumulated experience and continuing to develop agricultural knowledge and skills.

Operating Model and Specialization
The farm specializes in vegetable production. The main crops are pumpkins, potatoes, dill, and onions, with a small area also used for oats. Cultivating several different vegetable crops allows the farm’s activities to be distributed across different crops and sales periods.

Relationship with InSoil
The farm has been a member of the InSoil community since 2024. During the cooperation period, one similar loan has been fully repaid. Currently, two additional loans remain active, with a combined outstanding balance of approximately EUR 25,000.

Financing Purpose
After assessing the results of the current season and the need for additional working capital, the farmer applied to refinance both existing loans into one new loan. This would restructure the existing liabilities under a new repayment schedule, allowing funds that would otherwise be used for upcoming loan repayments to remain available for the farm’s working capital needs.

Conclusion
The project represents a specialized vegetable farm whose formal operating history began in 2022, while the farmer’s practical agricultural experience extends considerably further back. The farm has an owned land base, cultivates several different crops, and already has an established cooperation history with InSoil. The financing purpose is clearly defined – to consolidate two existing loans into one new facility, thereby improving cash flow management and preserving working capital for ongoing 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.