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.
-2,983,924 kg CO2e

LT0003005

Tikslas
46,100 €
Surinkta
46,100 €
100%
Palūkanų dydis
21.01%
Reitingas
B+
Periodas
40
Liko laiko
LTV
82%
Šalis
Lithuania
Paskolos tikslas
Land purchase
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas Adresas
Xxxxxx Xxxxxxxx Xxxxxxxx
Šxxxxėx x. xxx., Šxxxxėx xxxxxx xxx., Šxxxxė, Xxxų x. 9, 75135
header_1 Deklaruotas plotas Nuosavas plotas
Farming land125.40 ha35.80 ha
20242023
Pajamos 171,529.00 € 128,103.00 €
Grynasis pelnas 15,299.00 € 56,844.00 €
Nuosavo kapitalo santykis 65.02% -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas

About the farm

The farmer has been developing a crop farming business in the Šilalė district since 2020 and currently cultivates 125.40 hectares of land, of which 35.8 hectares are owned. Farming activities are actively supported by family members – his father and mother – each managing approximately 100 hectares of land separately. In total, the family farm covers around 330 hectares of arable land.

The farm grows winter and spring wheat, rapeseed, beans, and other cereal crops.

It is equipped with the necessary agricultural machinery, including three tractors, a combine harvester, a seed drill, a sprayer, cultivators, and other equipment that ensures efficient operations and reduces dependency on external service providers.

The loan funds will be used to purchase an additional land plot, thereby increasing the share of owned land and strengthening the farm’s sustainability and long-term independence.

    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.

    93 hectares of land are included in the Green Loan program. It is estimated that a total of 943 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 46100 EUR * 12% * 5 year = 27660 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): 13,28% IRR*
    Today's scenario (€35 per carbon certificate): 21,01% IRR*
    Optimistic scenario (€100 per carbon certificate): 46,22% 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. Learn more about it

    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.