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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.
-2,975,925 kg CO2e
LT0003133
Tikslas
32,000 €
Surinkta
32,000 €
Palūkanų dydis 
12%
Reitingas
B+
Periodas
59
Liko laiko
LTV
88%
Šalis
Lithuania
Paskolos tikslas
Equipment purchase
Verslo informacija
Apsaugos priemonės
Paskolų istorija
| Projekto savininkas | Adresas |
|---|---|
| header_1 | Deklaruotas plotas | Nuosavas plotas |
|---|---|---|
| Dirbama žemė | 95.49 ha | 52.85 ha |
| 2024 | 2023 | |
|---|---|---|
| Pajamos | 129,260.00 € | 68,889.00 € |
| Grynasis pelnas | 2,870.00 € | 39,602.00 € |
| Nuosavo kapitalo santykis | 66.7% | - |
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
The farmer has been operating a crop farm in the Šilalė district since 2007 and currently manages 95.49 hectares of land, of which 52.85 hectares are owned.
Farming is a family activity – her husband and son are also active farmers, each managing approximately 100 hectares of land. Altogether, the family cultivates around 300 hectares of arable land, ensuring a well-structured and diversified agricultural operation.
The farm primarily grows winter and spring wheat, rapeseed, beans, and other cereal crops.
Its machinery fleet includes three tractors, a combine harvester, a seeder, a sprayer, cultivators, and other essential equipment, enabling efficient and independent fieldwork throughout the agricultural season.
According to the latest financial results, in 2024 the farm generated €129,260 in annual revenue and €2,870 in net profit, while in 2023 revenues reached €68,889 with a €39,602 net profit.
The equity ratio stood at 95.22% in 2023 and 73.54% in 2024 (prior to the new loan), reflecting a strong financial foundation and low leverage level.
The farmer is seeking a loan for the acquisition of a trailer and additional equipment, aiming to strengthen the farm’s technical capacity, increase productivity, and optimize production costs.
Main Terms
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.
93 hectares of land are included in the Green Loan program. It is estimated that a total of 713 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 32000 EUR * 10% * 6 year = 19200 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): 7,43% IRR*
Today's scenario (€35 per carbon certificate): 12,02% IRR*
Optimistic scenario (€100 per carbon certificate): 27,56% 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.