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.

LT0003723

Goal
31,000 €
Raised
31,000 €
100%
Return rate
12%
Rating
B
Period
60
Time left
LTV
88%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxx Xxxxxxxxė
Xxxxxxxxx, Xxxxxxxxxxėx xxx./Xxxxxxxxxxx, Xxxxxxx 38
header_1
Declared
Owned
Farming land82.54 ha19.00 ha
20252024
Revenue 68,785.00 € 81,046.00 €
Net profit 18,445.00 € 22,467.00 €
Equity ratio 16.91% -
Project description
Documents
Payment schedule
The agricultural operation, established in 2009, is located in Marijampolės savivaldybė, specifically in Liudvinavas. The farmer has accumulated over 15 years of experience in agricultural activities. The farm specializes in crop production, cultivating wheat, rapeseed, potatoes, garlic, and other agricultural crops across 82.54 hectares of managed land, of which 19 hectares are under ownership.

The farm operates with an established machinery base, including a combine harvester, seeder, and trailer, for land cultivation and harvesting. Investment is ongoing to enhance operational efficiency. The current financing request is for working capital, intended for the acquisition of smaller agricultural machinery and implements, alongside covering ongoing operating expenses and seasonal working capital requirements.

As an InSoil client since 2021, the farmer has engaged in 6 loan agreements, with 4 already fully repaid and 2 currently active. All payments across these agreements have been made on time and without any delays, reflecting a consistent record of meeting financial obligations.

The farm's financial statements indicate a turnover growth from EUR 68,785 in 2024 to EUR 81,046 in 2025, with profit increasing from EUR 18,445 to EUR 22,467 over the same period. Total assets demonstrated a slight increase from EUR 130,179 in 2024 to EUR 133,241 in 2025, reflecting a growing operational scale and asset base.

The project highlights an experienced agricultural operation with a consistent track record, substantial land management, and an established equipment base. The current financing seeks to support ongoing operational requirements and minor equipment acquisition. The farmer is providing 7.3 ha out of a total of 14.55 ha of land as collateral.

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.