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.

LT0003735

Goal
44,000 €
Raised
44,000 €
100%
Return rate
10%
Rating
A
Period
60
Time left
LTV
81%
Country
Lithuania
Loan purpose
Land purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxčxxxxx Xxxčxx
Xxxxxxxxx, Xxxxxxxxxžxų xxxxxx, Xxxxxxxxxžxų x.4
header_1
Declared
Owned
Farming land66.37 ha30.00 ha
20252024
Revenue 94,458.00 € 88,963.00 €
Net profit 28,788.00 € 39,215.00 €
Equity ratio 63.29% -
Project description
Documents
Payment schedule
Project Summary
The project belongs to a mixed farm operating in the Kelmė district since 1998. The farm combines dairy farming and crop production, with most of the grain produced being used as feed for its own livestock. The requested financing is intended for the acquisition of land currently leased and used by the farm, following the owners’ decision to sell it.

Farm Overview
The farm was established in 1998 in the Kelmė district and has more than 25 years of operating experience. It currently declares nearly 70 hectares of agricultural land, of which 30 hectares are owned. The farm operates a mixed livestock and crop farming model.

Operating Model and Diversification
The farm keeps 78 cattle, including 43 dairy cows and 35 young cattle. Daily milk production amounts to approximately 1 tonne.
In addition, the farm grows cereal crops including oats, wheat, and maize. Crop rotation is applied and cover crops are grown. Most of the crop production is used internally as livestock feed, creating a direct link between the crop and livestock activities.

Relationship with InSoil
The farm has been a member of the InSoil community since 2025. It currently has one active loan with an outstanding balance of approximately EUR 13,000. All payments are made on time.

Financing Purpose
The requested funds will be used to acquire land that is currently leased and already used in the farm’s operations. As the landowners have decided to sell the property, the farmer intends to purchase the cultivated land and increase the share of owned farmland.

Conclusion
The project represents a long-established mixed farm where dairy production and crop farming complement each other. The farm has an existing owned land base, maintains timely repayment of its current InSoil obligations, and the requested financing is intended to acquire already cultivated leased land and increase the share of owned farmland.

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.