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.
-6,875,347 kg CO2e

LT0003007

Tikslas
67,700 €
Surinkta
67,700 €
100%
Palūkanų dydis
21.03%
Reitingas
B+
Periodas
54
Liko laiko
LTV
80%
Šalis
Lithuania
Paskolos tikslas
Land purchase
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas Adresas
Ūxxxxxxxx (-ė) Xxxxxxxx Xxxxxxxx
Šxxxxxxų x. xxx., Xxxxxxų xxx., Xxxxxxxx, 7, 19143
header_1 Deklaruotas plotas Nuosavas plotas
Dirbama žemė82.56 ha34.23 ha
20242023
Pajamos 66,315.00 € 64,467.00 €
Grynasis pelnas 11,049.00 € 2,720.00 €
Nuosavo kapitalo santykis 39.01% -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas

About the farm 

We invite you to invest in a crop farming business established in 2009 in the Širvintos district, managed by the farmer together with his wife’s farm, and committed to delivering high-quality production and efficient farming practices.

Currently, the farmer declares 82.56 hectares of cultivated land, and together with his wife’s farm, the family successfully manages a total of 228.56 hectares, of which 57.2 hectares are privately owned. The farm grows wheat, rapeseed, beans, and oats – crops that ensure a diverse, high-quality output and a well-balanced crop structure.

The farm is equipped with modern and productive machinery, including a Massey Ferguson 7347S Activa combine harvester (2022), a Massey Ferguson 6490 tractor (2012), an Inter-Silo grain drying tower (2022), a Lemken Rubin 9/400 disc harrow (2008), a John Deere 740i sprayer (2010), a Volvo truck (1999), a Schmitz semi-trailer (2008), a Manitou 741MLT 120LSU loader (2010), and other equipment that ensures all work can be carried out independently and efficiently.

The loan will be used for the purchase of agricultural land and working capital, further strengthening the farm’s sustainability and competitiveness.

Join this project and contribute to the growth and development of a family-run farm!


Main Terms

The principal will be repaid by the farmer in regular instalments over the span of 5 years in accordance with the repayment schedule.

215 hectares of land are included in the Green Loan program. It is estimated that a total of 2608 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 67700 EUR * 10% * 6 year = 40620 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): 13,02% IRR*
  • Today's scenario (€35 per carbon certificate): 21,03% IRR*
  • Optimistic scenario (€100 per carbon certificate): 48,78% 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.