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.

LT0003813

Goal
30,000 €
Raised
22,664 €
75%
Return rate
11%
Rating
B+
Period
50
Time left
LTV
84%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxx Xxxxxčxxxx
Xxxxxxxxx, Xxxėxxx x., Xxxxx x. 19-7, Xxxxxxxx
header_1
Declared
Owned
Farming land188.04 ha33.15 ha
20262025
Revenue111,420.00 €67,344.00 €
Net profit14,377.00 €-2,205.00 €
Equity ratio28.46%-

Investment calculator

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Interest

11%

Preliminary earnings

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Important:
The calculator provided is preliminary and the projected earnings are determined based on the preliminary principal repayment schedule.
Interest rates:
Investing from 100 € - 11%
Project description
Documents
Payment schedule
The farmer has been engaged in agricultural activities in the Varėna district since 2009 and currently cultivates 188.04 hectares of land, of which 33.15 hectares are owned. Long-term farming experience and consistently developed operations provide a foundation for the farm's continued activities and further development.

The farm specialises in crop production, growing buckwheat, rye, oats, and wheat. This diversified crop structure supports effective crop rotation and helps reduce dependence on a single crop, harvest outcome, or agricultural market price fluctuations.

Farm operations are supported by the necessary machinery, including a combine harvester, a tractor, a seeder, and other essential agricultural implements. The available equipment enables the farmer to independently carry out key field operations, efficiently organise seasonal activities, and ensure a smooth harvesting process. The farm also applies no-till farming practices, which help preserve soil structure, reduce cultivation costs and soil erosion risks, and support more sustainable agricultural production.

The farmer has maintained a long-standing relationship with the InSoil investor community since 2021. To date, six loans totalling €135,316 have been financed through the platform. Of these, four loans have been fully repaid, while two remain active. The outstanding principal currently amounts to €40,196.68, and investors have received a total of €20,436.43 in interest payments throughout the cooperation period. There are currently no overdue payments, and the active financial obligations are being serviced according to the agreed repayment schedules.

The financial information provided with this project covers the first three quarters of 2026, from January 1 to September 30.

The current financing is intended to increase working capital, supporting smooth seasonal operations, covering ongoing agricultural expenses, and maintaining financial flexibility. Long-term farming experience, diversified crop production, the available machinery base, and the previous loan repayment history provide a 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.