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.

LT0003784

Goal
15,000 €
Raised
11,960 €
79%
Return rate
12.8%
Rating
B+
Period
36
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxė Xxčxxxūxxxxė Xxxxxxxė
Xxxxxxxxx, Xxxxxxxx xx., Xxxxxxų xxx., Xxxxxxėx xxx, Xxxxų x. 12
header_1
Declared
Owned
Farming land15.00 ha0.00 ha
20252024
Revenue 19,599.00 € 15,304.00 €
Net profit 3,354.00 € -6,661.00 €
Equity ratio 37.77% -

Investment calculator

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Interest

12.8%

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 € - 12.8%
Project description
Documents
Payment schedule
InSoil invites investors to finance an established crop farm operating in the Ukmergė district of Lithuania since 2015.

The farm is managed by Sigutė Pečeliūnaitė-Kintienė, who started her farming activities in 2015 after successfully obtaining EU support under the Young Farmers' Establishment Scheme. Together with her husband, she operates a crop farm specialising in the cultivation of wheat, field beans and rapeseed.

The farm has agricultural machinery and equipment, including a telescopic loader and other farming implements. The farmer aims to expand her operations by renting additional agricultural land.

The farm's 2025 financial results demonstrate improved business performance:

Sales revenue increased to EUR 13,197, compared with EUR 7,321 in 2024, representing growth of approximately 80%.

Total income, including agricultural subsidies, amounted to EUR 19,599.

Net profit reached EUR 3,354, compared with a net loss of EUR 6,661 in 2024.

Total assets amounted to EUR 27,415, with equity of EUR 16,020.

Total liabilities amounted to EUR 11,395.

In 2025, the farm returned to profitability at the operating level, while net cash flow from operating activities reached EUR 19,722.

The farmer has a successful repayment history on the InSoil platform. She previously received a EUR 15,000 loan (LT0001695), which has been fully repaid. The loan term ended on 20 November 2025, and the outstanding balance on the platform is currently EUR 0.

According to the Creditinfo report dated 23 October 2026, the farmer has no registered outstanding debts or negative payment records. No asset seizures were recorded in the relevant public register.

The farmer is seeking additional working capital financing to support ongoing agricultural operations and cover seasonal operating expenses. The financing will help maintain business continuity and manage seasonal cash flow requirements.

With more than a decade of farming experience, Sigutė Pečeliūnaitė-Kintienė continues to develop her family farm. Increased sales revenue, a return to profitability and a fully repaid previous InSoil loan demonstrate the farm's progress and the borrower's experience in meeting financial obligations.

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.