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.

LT0003778

Goal
40,000 €
Raised
17,702 €
44%
Return rate
13.5%
Rating
C+
Period
36
Time left
LTV
39%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxx Xxxxxxx
Xxxxxxxxx, Xxxxxxxų xx., Šxxxxėx xxx., Xxxxxxx x. 4
header_1
Declared
Owned
Farming land306.36 ha68.12 ha
20252024
Revenue 131,112.00 € 113,878.00 €
Net profit 51,778.00 € 18,416.00 €
Equity ratio 27.86% -

Investment calculator

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Interest

13.5%

Preliminary earnings

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Interest rates:
Investing from 100 € - 13.5%
Project description
Documents
Payment schedule
The farmer has been engaged in agricultural activities in the Šilutė district since 2014 and currently cultivates 306.36 hectares of land, of which 68.12 hectares are owned. The farm has been developed consistently, with the farmer aiming to further expand operations by increasing the cultivated land area and strengthening long-term production capacity.

The farm specialises in crop production, growing wheat, maize, oilseed rape, buckwheat, peas, and oats. This diversified crop structure supports effective crop rotation, reduces dependence on a single crop, and helps mitigate risks related to harvest yields and agricultural market price fluctuations.

Most of the farm's agricultural production is sold through UAB "Scandagra", which serves as the farm's main sales channel. During the harvesting season, the farmer hires several additional workers to ensure the timely completion of key seasonal activities and efficient harvesting operations.

The farm's machinery fleet includes two tractors, a high-capacity combine harvester, and other equipment required for key agricultural operations. The available technical base enables the farmer to independently carry out essential fieldwork, efficiently organise seasonal activities, and maintain a smooth production process.

The loan is secured by a second-ranking pledge and mortgage over assets already pledged under the existing loan agreement No. LT0003228. The collateral consists of a New Holland T6070 tractor and two land plots with a combined area of approximately 9 hectares. An additional promissory note is issued as supplementary security for the loan.

The current financing is intended for working capital, supporting smooth seasonal operations, covering ongoing farm operating expenses, and maintaining financial flexibility. Long-term farming experience, a significant cultivated land area, diversified crop production, and the available machinery base provide a solid foundation for the farm's continued operations and further development.

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.