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.

LT0003758

Goal
73,200 €
Raised
300 €
0%
Return rate
13%
Rating
C
Period
51
Time left
LTV
69%
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxx Xxxxxxxxxxxx
Xxxxxxxxx, Xxxšxxxxxxx, Xxxxxxxx 24-51
header_1
Declared
Owned
Farming land74.34 ha20.00 ha
20252024
Revenue 87,631.00 € 64,936.00 €
Net profit 13,321.00 € 42,790.00 €
Equity ratio 21.05% -

Investment calculator

Pick one of the suggested or type in your own amount to see interest rate and preliminary earnings.
Interest

13%

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%
Project description
Documents
Payment schedule
We invite you to invest in the loan refinancing project of the ecological mixed farm operating in the Kaišiadori district since 2020. The farm specializes in beef cattle breeding and crop production, manages 74.34 ha of land, of which 20 ha is owned.
The client has been cooperating with InSoil since 2022. Three loan agreements were concluded during this period. This project aims to refinance two existing loans with a total amount due of EUR 118,548.21, including EUR 99,846.10 of unpaid principal.
Despite the financial challenges of recent years, we see positive signs of economic development. Revenue increased from EUR 64,936 to EUR 87,631, or almost 35 percent, and the asset base increased from EUR 144,673 to EUR 483,320. This shows that the farm expanded its activities and invested in production capacity, although financial obligations also increased at the same time.
The client's financial difficulties were caused by increased costs of fuel, wages and feed preparation, as well as crop damage caused by a strong storm. Due to these circumstances, the pressure on the working capital of the farm increased and it became difficult to carry out loan payments according to the previous schedules.
We see an opportunity to stabilize the client's financial situation by refinancing existing obligations for a longer period. This would make it possible to reduce the burden of periodic contributions, better match payments with seasonal farm income and allow for a gradual restoration of solvency.
A plot of agricultural land and a John Deere combine are expected to be pledged to secure the loan. This asset would provide investors with an additional opportunity to recover the debt if the client defaulted.
When evaluating the project, we take into account the fact that the client carries out real agricultural activities, has an organic farming certificate, owns land, agricultural machinery and has increased farm income. Although the current financial situation remains difficult, we see a reason to seek its stabilization by adapting the loan repayment terms to the business cycle.
We invite you to invest in this refinancing project, the purpose of which is to preserve the income generation capabilities of the operating farm, to create more realistic conditions for the client to fulfill financial obligations and to ensure the interests of investors with pledged assets.
Refinancing does not eliminate the risk associated with the client's financial situation, but it provides an opportunity to manage it in order to consistently repay the loan from the income of future economic activities.

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.