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.

LT0003812

Goal
25,000 €
Raised
16,370 €
65%
Return rate
12.5%
Rating
A+
Period
60
Time left
LTV
-
Country
Lithuania
Loan purpose
Equipment purchase
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxūxxx Xxxxxxxxxčxxx
Xxxxxxxxx, Xėxxxxxų Xxxxxxx, Šxšxxx 13
header_1
Declared
Owned
Farming land27.23 ha7.00 ha
20252024
Revenue71,292.97 €57,850.47 €
Net profit0.00 €0.00 €
Equity ratio0%-

Investment calculator

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Interest

12.5%

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 € - 12.5%
Project description
Documents
Payment schedule
Project Summary
The project belongs to a crop farming operation located in the Kėdainiai district, operating since 2005. The farm has long-standing operating experience, cultivates cereal, oilseed, and vegetable crops, and applies soil-conserving land management practices. The requested financing is intended for the acquisition of smaller agricultural machinery and implements, while the remaining amount will be used for working capital needs.

Farm Overview
The farm was established in 2005 in the Kėdainiai district. It currently declares 27 hectares of agricultural land, of which 7 hectares are owned. The farm consistently carries out crop production activities and has more than 20 years of farming experience.

Operating Model and Sustainability
The farm specializes in crop production. The main crops are wheat, barley, rapeseed, and potatoes. 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 2024. During the cooperation period, the farmer had two loans with a total amount of EUR 17,000. Both loans were fully repaid without delays.

Financing Purpose
The requested funds will be used for the acquisition of smaller agricultural machinery and implements. The farmer plans to purchase a trailer, a seed drill, and other equipment required for farm operations. The remaining part of the financing will be used for working capital and ongoing operating needs.

Conclusion
The project represents a long-established crop farm with a clear operating focus, an owned land base, and sustainable land management practices. The farm also has a successful cooperation history with InSoil, with two previous loans totaling EUR 17,000 fully repaid without delays. The financing is intended for the acquisition of agricultural implements and additional working capital.

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.