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.

LT0003820

Goal
30,300 €
Raised
10,636 €
35%
Return rate
11.56%
Rating
B+
Period
55
Time left
LTV
89%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner
Address
Xxxxxx Xxxxxxxx Xxxxxxxxxxxx
Xxxxxxxxx, Xxxėčėxxx, Xxxxxų x. 22
header_1
Declared
Owned
Farming land162.03 ha26.56 ha
20252024
Revenue91,962.00 €176,539.00 €
Net profit-65,590.00 €30,667.00 €
Equity ratio-42.57%-

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Interest

11.56%

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Interest rates:
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Project description
Documents
Payment schedule
The farmer has been engaged in agricultural activities since 1991 and currently cultivates 162.03 hectares of land, of which 26.56 hectares are owned. More than three decades of farming experience and consistently developed operations provide a foundation for the farm's continued activities and further development.

The farm specialises in crop production, primarily growing wheat, spring oilseed rape, and winter oilseed rape. To further diversify production and expand operations, the farmer also plans to introduce maize cultivation in the future. A broader crop structure would allow more efficient use of cultivated land, support crop rotation, and reduce dependence on individual crop market price fluctuations.

Farm operations are supported by an extensive and modern machinery fleet, including seven tractors, two combine harvesters, six tractor trailers, a germinator, a cultivator, two sprayers, a straw baler, a rake-tedder, a seeder, and other essential agricultural equipment. The farm's infrastructure also includes two grain storage facilities, a grain dryer, mechanical workshops, and garages. This technical base enables the farmer to independently perform key agricultural operations, efficiently organise harvesting, manage grain storage, and maintain machinery.

One of the grain storage facilities is also equipped with a straw pellet production line and wood sawing equipment. Pellet production is currently suspended due to unfavourable market prices. However, the farmer plans to resume this activity in the future by introducing sawdust pellet production. This would create opportunities to make additional use of existing infrastructure and further diversify the farm's operations.

Family farming traditions also play an important role in the agricultural business. The farmer's daughter operates a separate mixed farm focused on grain crops, oilseed rape, and beef cattle. Her farm covers approximately 67 hectares of land, bringing the combined cultivated area of the family farms to around 229 hectares. Long-standing family experience and different agricultural specialisations provide opportunities to share practical knowledge and farming expertise.

The farmer has an established financing history with the InSoil investor community. To date, four loans totalling €99,800 have been financed through the platform. Of these, one loan has been fully repaid, while three remain active. The outstanding principal currently amounts to €36,593.61, and investors have received a total of €14,439.17 in interest payments throughout the cooperation period. The farmer has consistently fulfilled financial obligations according to the agreed repayment schedules, with no recorded payment delays and no currently overdue obligations.

The current financing is intended to increase working capital, supporting ongoing agricultural expenses, preparation for the upcoming growing season, and maintaining sufficient financial flexibility. Long-term farming experience, well-developed technical infrastructure, family involvement in agriculture, 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.