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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.
-12,799,680 kg CO2e
LT0003119
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 692.52 ha | 475.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 1,413,643.00 € | 1,345,031.00 € |
| Net profit | 164,993.00 € | -30,744.00 € |
| Equity ratio | 37.85% | - |
Documents
Payment schedule
About the farm
The project owner has been engaged in mixed agricultural activities in the Šiauliai region for more than twenty-five years – the farming business was established back in 1997 and has since grown into a modern, large-scale agricultural operation that combines both dairy production and crop cultivation. The farm maintains a dairy herd while crop production is diversified and based on crop rotation principles, ensuring stable yields and high soil productivity.
According to the 2025 crop declaration, the farm manages a total of 692.52 hectares of agricultural land. This is significantly larger than the average Lithuanian family farm, demonstrating a high level of operational efficiency and commercial potential. The land use structure is well-balanced, combining main cereal crops, technical crops, and areas dedicated to forage production:
Wheat and barley (KVŽ) – the largest share of the cropping structure, covering more than 300 ha, dedicated to the production of high-value cereals. Rapeseed (RAŽ) – around 40 ha, used for crop rotation and market diversification. Perennial grasslands and forage areas (DGP, ŽMI, GPŽ) – approximately 250 ha, dedicated to feed production for the dairy segment. Forage mixtures, grassland, and ecological elements (PDJ, NEP, KEG, etc.) – about 100 ha, supporting crop rotation, soil health, and compliance with EU environmental requirements.
The farm fully complies with GAAB (Good Agricultural and Environmental Condition) standards, applies sustainable farming practices, uses certified seed mixtures, and implements systematic crop rotation. These measures ensure not only strong environmental performance but also long-term soil fertility and lower production risk.
The farm is well equipped with the necessary infrastructure: it operates a modern fleet of agricultural machinery – including a sprayer, seed drill, combine harvester, tractors, and other essential equipment – allowing it to perform all operations independently, from sowing to harvesting. Further investments in equipment and operational efficiency are planned to fully unlock the farm’s potential.
Cooperation with financial partners is now entering a new phase – this is the first loan granted to the farm through the Insoil platform. The farm is actively participating in a carbon farming programme, with 617 ha already enrolled. The application for a Green Loan is aimed at increasing working capital, which will be used for seeds, fertilisers, feed, and other production expenses necessary to optimise operations and sustain growth.
It is important to note that for servicing the Green Loan, the farmer plans to include 400 ha out of the 617 ha already participating in the carbon programme, strengthening the project’s sustainability component and ensuring additional security for investors. Moreover, the total land area managed by the family’s farms reaches approximately 1,000 ha, making this project part of a broader, strategically managed agricultural ecosystem.
The combination of diversified revenue streams (crop and dairy production), a significant declared land area, participation in climate-mitigation initiatives, stable EU direct payments, and a long-term track record positions this project as a sustainable, low-risk, and high-growth investment opportunity. A strong technical base, modern farming model, and well-defined sustainability strategy ensure the project’s long-term stability.
Main Terms
Annualized return forecast
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.