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.

LT0003724

Goal
17,000 €
Raised
13,369 €
78%
Return rate
13.5%
Rating
B+
Period
36
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxxė Xxxxxxxxxxxxxė
Xxxxxxxxx, X/X, X/X
header_1
Declared
Owned
Farming land68.24 ha19.75 ha
20252024
Revenue 27,730.00 € 48,923.00 €
Net profit 17,561.00 € 30,668.00 €
Equity ratio 68.78% -

Investment calculator

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Interest

13.5%

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 € - 13.5%
Project description
Documents
Payment schedule
The farmer has been engaged in agricultural activities since 2020 and currently cultivates 68.24 hectares of land, of which 19.75 hectares are owned. The farm operates as a mixed agricultural business, growing grain crops and oilseed rape, while also keeping beef cattle. This diversified operating model helps balance income sources and make more efficient use of the farm’s available resources.

Family cooperation also plays an important role in the farm’s operations. The farmer’s father operates a separate farm focused primarily on crop production, growing wheat as well as spring and winter oilseed rape. His farm currently covers 162.03 hectares of land, of which 32 hectares are owned. Together, the family farms cultivate more than 230 hectares, enabling more efficient organisation of agricultural activities, sharing of technical resources, and smooth execution of seasonal work.

The family farms are supported by a broad and modern machinery base, including 7 tractors, 2 combine harvesters, and 6 tractor trailers, as well as a germinator, a cultivator, 2 sprayers, a straw baler, a rake-tedder, and a seeder. The infrastructure also includes 2 grain storage facilities, a grain dryer, mechanical workshops, and garages. This technical and infrastructure base enables the farms to independently carry out key agricultural operations, efficiently organise harvesting, store production, and maintain machinery.

The current financing is intended for working capital, supporting smooth seasonal operations, covering ongoing farm operating expenses, and maintaining financial flexibility.

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.