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.

LT0003725

Goal
42,000 €
Raised
42,000 €
100%
Return rate
11%
Rating
A
Period
50
Time left
LTV
86%
Country
Lithuania
Loan purpose
Equipment purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxx Xxxxxxxė
Xxxxxxxxx, Xxxšxxxxxxxx, Xxxxxxxx x 23
header_1
Declared
Owned
Farming land135.74 ha24.00 ha
20252024
Revenue 190,363.00 € 169,657.00 €
Net profit 36,279.00 € 26,725.00 €
Equity ratio 14.49% -
Project description
Documents
Payment schedule
Project Summary
The project belongs to a crop farming operation located in the Panevėžys district, operating since 1997. The farm has nearly 30 years of operating experience, specializes in cereal and legume production, and applies soil-conserving land management practices. The requested financing is intended for the purchase of a used seed drill.

Farm Overview
The farm was established in 1997 in the Panevėžys district. It currently declares 135 hectares of agricultural land, of which 24 hectares are owned. The long operating history and consistent crop production activity provide a solid basis for continuity of the farming business.

Operating Model and Sustainability
The farm specializes in crop production, primarily cultivating wheat, barley, and peas. Land is managed using minimum tillage practices, helping to reduce energy consumption and preserve soil quality. Crop rotation is applied, and cover crops are grown to support soil fertility and biodiversity. This operating model combines agronomic efficiency with long-term soil conservation.

Family Farming Model
The farm operates as a family business and does not employ hired workers. The farmer’s son and grandson actively participate in the farm’s main activities. This structure supports continuity between generations and allows farm operations to be organized using family resources.

Relationship with InSoil
The farm has been a member of the InSoil community since 2026. It currently has one EUR 25,000 loan, with repayment structured over a two-year period.

Financing Purpose
The requested funds will be used to purchase a used seed drill. The machinery may also be sourced from abroad, depending on the most suitable available market offer.

Conclusion
The project represents a long-established family crop farm with a clear specialization, soil-conserving farming practices, and continuity across generations. The financing purpose is clearly defined and intended for the acquisition of a used seed drill directly required for the farm’s core 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.