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.

LT0003746

Goal
15,000 €
Raised
3,051 €
20%
Return rate
15%
Rating
B+
Period
60
Time left
LTV
-
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxx Xxxxxxxxxčxxx
Xxxxxxxxx, Xxxxxxxx, Xxxxxxėx xxx Xxxxxxų 7x
header_1
Declared
Owned
Farming land25.94 ha0.00 ha
20252024
Revenue 10,503.00 € 5,876.00 €
Net profit 3,853.00 € 2,592.00 €
Equity ratio 62.23% -

Investment calculator

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Interest

15%

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 € - 15%
Project description
Documents
Payment schedule
Project Summary
The project belongs to a crop farming operation located in the Ukmergė district, operating since 2015. The farm specializes in cereal, legume, and vegetable production and applies sustainable land management practices. The requested financing is intended to refinance two existing loans, extend the repayment period, and provide additional working capital for preparation for the new season.

Farm Overview
The farm was established in 2015 in the Ukmergė district. It currently declares nearly 26 hectares of agricultural land, all of which is leased. The farm has more than a decade of operating experience and consistently carries out crop production activities.

Operating Model and Sustainability
The farm primarily grows wheat, buckwheat, potatoes, and peas. Land is managed using no-till practices, supported by crop rotation and cover crops. This farming model focuses on soil preservation and long-term operational continuity.

Relationship with InSoil
The farm has been a member of the InSoil community since 2025. It currently has two active loans with a combined outstanding balance of approximately EUR 16,000. All payments are made on time.

Financing Purpose
While planning for the coming year and aiming to better balance the farm’s cash flows, the farmer applied to refinance both existing loans. The new financing would be structured over a longer period and under a new repayment schedule, while part of the funds would be used for working capital needs related to preparation for the new season.

Conclusion
The project represents a crop farm with more than a decade of operating experience, a clear business direction, sustainable land management practices, and an existing cooperation history with InSoil. The financing purpose is clearly defined – to refinance two existing loans, extend the repayment period, and preserve additional working capital for preparation for the new season.

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.