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Green loan
Green Loan is a type of financing that enables farmers to use the proceeds for projects contributing to the environment. For investors, Green Loans give an opportunity to indirectly contribute to the generation of high-quality soil carbon credits, which are later sold on the Voluntary Carbon Market and receive part of the proceeds from their sale.
-2,335,941 kg CO2e
LT0002981
Goal
32,500 €
Raised
32,500 €
Return rate 
21.2%
Rating
A
Period
53
Time left
LTV
78%
Country
Lithuania
Loan purpose
Land purchase
Business information
Security measures
Loan history
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 60.82 ha | 39.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 56,735.00 € | 70,943.00 € |
| Net profit | 14,187.00 € | - |
| Equity ratio | 48.37% | - |
Project description
Documents
Payment schedule
About the farm
The farm was established in 2008 in Tauragė district. The declared land area is 60.82 ha, of which 39 ha are privately owned. Wheat makes up the largest share of production (around 62%), while rapeseed (about 30%) and beans (about 7%) are also grown. Smaller amounts of clover and other crops needed for crop rotation and soil fertility are cultivated. All land is managed using no-till farming technologies, which help maintain long-term productivity and soil quality. Crop rotation and production diversity contribute to farm resilience and sustainability.
Operations are organized on a family basis—with a total of 120 ha under cultivation, including 62 ha of owned land. By 2025, the total land under cultivation is planned to be increased to 150 ha to ensure long-term growth and greater production scale.
Currently, the farm seeks investment for the purchase of a 6-hectare land plot, ensuring sustainable expansion and increasing the share of owned land, which is essential for further efficient and competitive development.
Main Terms
The principal will be repaid by the farmer in regular installments over the span of 5 years in accordance with the repayment schedule.
73 hectares of land are included in the Green Loan program. It is estimated that a total of 886 carbon certificates will be generated in 6 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 32500 EUR * 10% * 6 year = 19500 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): 13,43% IRR*
Today's scenario (€35 per carbon certificate): 21,2% IRR*
Optimistic scenario (€100 per carbon certificate): 46,69% 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.
Project risks
Please note that investing in this project carries inherent risks, including the potential for the loss of profits and invested funds.
In the event that the Project Owner fails to fulfil their obligations, InSoil will take all necessary measures to safeguard the interests of investors and utilise the provided collateral. However, the Platform Operator does not guarantee the complete fulfilment of the Project Owner’s obligations.
There is also the possibility that carbon certificates may not be generated due to various reasons, such as the actions of Heavy Finance UAB, the project owner, or external factors.
Due to changes in market conditions, measurement methodologies and other factors, the price of carbon certificates is subject to change.