Žalioji paskola

Investuotojams Žaliosios paskolos atveria naują galimybę prisidėti prie klimato kaitos stabdymo ir pasinaudoti sparčiu anglies taršos sertifikatų rinkos augimu. Investuodami į Žaliąsias paskolas InSoil platformoje, jūs paskolinate pinigus ūkininkams, o vietoje palūkanų gaunate dalį grąžos iš aukštos kokybės anglies taršos sertifikatų pardavimo tarptautinėje savanoriškoje anglies dioksido rinkoje.
-4,799,880 kg CO2e

LT0002530

Tikslas
65,000 €
Surinkta
65,000 €
100%
Palūkanų dydis
22.3%
Reitingas
B
Periodas
44
Liko laiko
LTV
58%
Šalis
Lithuania
Paskolos tikslas
Working capital
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas Adresas
Ūxxxxxxxx (-ė) Xxxxxxx Žxxxx
Šxxxčxxxxų x., Xxxxxxėx xxx., Xxxxxxx
header_1 Deklaruotas plotas Nuosavas plotas
Dirbama žemė354.46 ha201.05 ha
20232022
Pajamos 754,467.00 € 717,899.00 €
Grynasis pelnas 55,916.00 € 109,534.00 €
Nuosavo kapitalo santykis 32.27% -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas

About the farm

We invite HeavyFinance community to invest in a loan for a farm in Švenčionys District. The farm has been operating since 2000. The farmer declares 354,46 ha of land, of which 201,05 ha is owned. The farmer grows wheat, rapeseed and other crops. The farmer's machinery fleet consists of a combine harvester, two tractors, a sowing machine, a sprayer, a trailer and other cultivation equipment. The farmer cultivates the land using no-till farming techniques. This is the first farmer's loan on a HeavyFinance platform. The farmer is asking for a loan that will be used to purchase additional machinery. The loan will be secured by combined harvester mortgage.

Main Terms

The principal will be repaid by the farmer in regular instalments over the span of 4 years in accordance with the repayment schedule.

150 hectares of land are included in the Green Loan program. It is estimated that a total of 1517 carbon certificates will be generated in 5 years (based on a conservative estimation). Consequently, investors will receive below indicated portion of sales proceeds from every carbon certificate generated from the land of the project owner involved in the program;
(1) 60% of income received during the loan period;
(2) 40% of income received for the following year after the loan period.

It is expected that the first carbon certificates will be generated and sold in the second quarter of 2026. The exact return will depend on the amount of sequestered CO2 levels and the sale price of the carbon certificates.


If the project owner (farmer) withdraws from the Carbon Credits Agreement and does not intend to follow the agreement on the carbon revenue split with investors, the project owner will be obliged to repay the entire loan as well as pay the penalty, calculated by multiplying the interest rate by the entire loan amount and period equal to the duration of the loan agreement plus 12 (twelve) months.
Investors of this loan would receive a penalty of 65000 EUR * 12,5% * 5 year = 40625 EUR. This penalty can be reduced by the return earned by investors from the carbon credits generated

If the project fails to be delivered successfully through no fault of the farmer, the farmer commits to paying investors a minimum interest rate of EURIBOR 6M + 1.5%. This commitment applies in situations such as the lack of market demand for selling carbon credits, among others.



Annualized return forecast

Conservative scenario (€20 per carbon certificate): 13,92% IRR*
Today's scenario (€35 per carbon certificate): 22,28% IRR*
Optimistic scenario (€100 per carbon certificate): 50,18% IRR*
Read more about the return scenarios in the document section

*The internal rate of return (IRR) is a metric used in financial analysis to estimate the profitability of potential investments. 

Keep in mind that the return forecast is an estimation and does not guarantee you the returns mentioned above.

Investuodami į žaliąsias paskolas, prisiimate šias rizikas

Anglies taršos kreditai gali negauti reikiamų sertifikatų ir nebūti sukurti dėl vienos iš šalių kaltės ar išorinių veiksnių.

Dėl pasikeitusių rinkos sąlygų, matavimo metodologijos ir kitų veiksnių, anglies kreditų kaina gali keistis.

Projekto savininkui neįvykdžius savo įsipareigojimų, UAB Heavy Finance imsis visų būtinų priemonių investuotojų interesams apsaugoti ir panaudos pirmine hipoteka įkeistą užstatą, tačiau bendrovė negarantuoja visiško projekto savininko įsipareigojimų įvykdymo.