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.

LT0003815

Goal
25,000 €
Raised
1,777 €
7%
Return rate
12.16%
Rating
A+
Period
60
Time left
LTV
-
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxx Xxxxxxx
Xxxxxxxxx, Xxxxxxx, Xxxxxxų 12-64
header_1
Declared
Owned
Farming land4.25 ha7.05 ha
20252024
Revenue18,370.85 €5,309.86 €
Net profit0.00 €0.00 €
Equity ratio0%-

Investment calculator

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Interest

12.16%

Preliminary earnings

0.00 €

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Interest rates:
Investing from 100 € - 12.16%
Project description
Documents
Payment schedule
Project Summary
The project belongs to a specialized farm operating in the Vilnius district since 2023. The farm is engaged in Shiitake mushroom cultivation and forestry, with all activities carried out on owned land. The requested financing is intended for the construction of an agricultural building for mushroom cultivation.

Farm Overview
The farm was established in 2023 in the Vilnius district. It declares 4.25 hectares of agricultural land, all of which is owned. In addition, the farmer owns 2.80 hectares of forest land. Therefore, the land used for the farm’s main activities is fully owned by the farmer.

Operating Model and Specialization
The farm specializes in Shiitake mushroom cultivation and forestry. It produces approximately 200-300 kg of Shiitake mushrooms per year, which are sold at the local market. Forestry represents an additional business activity. The farmer maintains mature owned forest areas, while timber is sold when needed.

Operating Structure
The farm does not own agricultural machinery. All required works are carried out through outsourced services. This operating model avoids the need to invest in and maintain machinery and allows services to be used according to actual operational needs.

Relationship with InSoil
The farm has been a member of the InSoil community since 2025. During the cooperation period, one EUR 10,000 loan has been fully repaid ahead of schedule.

Financing Purpose
The requested funds will be used for the construction of an agricultural building intended for Shiitake mushroom cultivation. The farm plans to purchase prefabricated building structures and subsequently install the required frame and complete the construction works.

Conclusion
The project represents a specialized farm combining two business activities – Shiitake mushroom cultivation and forestry. The land used for the farm’s main operations is fully owned, while required works are organized through outsourced services. The farm also has a successful cooperation history with InSoil, and the requested financing is intended for a specific investment in a building required for mushroom cultivation.

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.