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.

LT0003788

Goal
50,000 €
Raised
40,430 €
80%
Return rate
12%
Rating
B+
Period
60
Time left
LTV
78%
Country
Lithuania
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxx Xxxxxxxxčxxx
Xxxxxxxxx, Xxžxxxxxx, Xxxxxxxxų x. 1X
header_1
Declared
Owned
Farming land96.42 ha48.89 ha
20252024
Revenue 83,773.00 € 75,168.00 €
Net profit 21,173.00 € -32,932.00 €
Equity ratio 43.37% -

Investment calculator

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Interest

12%

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Interest rates:
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Project description
Documents
Payment schedule
Project Summary
The project belongs to a crop farming operation located in the Mažeikiai district, operating since 2012. The farm has more than a decade of operating experience, cultivates a diversified range of cereal, legume, and vegetable crops, and applies sustainable land management practices. Following a more challenging season, the requested financing is intended to refinance two existing loans under a new repayment schedule and provide additional working capital for ongoing operations.

Farm Overview
The farm was established in 2012 in the Mažeikiai district. It currently declares 96 hectares of agricultural land, of which 48 hectares are owned. The significant share of owned land provides a solid basis for long-term continuity of the farming operation.

Operating Model and Sustainability
The farm specializes in crop production. The main crops are wheat, peas, oats, triticale, barley, and potatoes. Cultivating several different crops provides diversification across different types of agricultural production.

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 2023. During the cooperation period, one EUR 15,000 loan has been fully repaid. Currently, two additional loans remain active, with a combined outstanding balance of approximately EUR 15,000.

Financing Purpose
Following a more challenging season, the farmer aims to better balance short-term cash flows. The new financing will be used to fully refinance both existing loans and restructure their repayment under a new schedule. An additional part of the financing will be used for working capital required for ongoing farm operations.

Conclusion
The project represents a crop farm with more than a decade of operating experience, a significant owned land base, a diversified crop portfolio, and sustainable land management practices. The farm has an established cooperation history with InSoil and has already fully repaid one loan. The purpose of the new financing is to refinance the two existing loans, better align repayments with the farm’s current cash flows, and provide additional working capital to support continuity of operations.

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.