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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.
-8,639,784 kg CO2e
LT0003149
Tikslas
99,000 €
Surinkta
99,000 €
Palūkanų dydis 
12.1%
Reitingas
B+
Periodas
36
Liko laiko
LTV
90%
Šalis
Lithuania
Paskolos tikslas
Working capital
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas | Adresas |
|---|---|
header_1 | Deklaruotas plotas | Nuosavas plotas |
|---|---|---|
| Farming land | 286.28 ha | 327.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Pajamos | 655,122.00 € | 470,468.00 € |
| Grynasis pelnas | 118,537.00 € | 209,436.00 € |
| Nuosavo kapitalo santykis | 57.15% | - |
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
"The farm, established in 2019 in the Radviliškis district, specialises in crop production, cultivating rapeseed, wheat, corn, peas, perennial grasses, and alfalfa. The declared area amounts to 286.28 hectares, while 327 hectares are owned but not fully declared due to land rotation and shared operations within the family.
This is a family-run enterprise, closely connected with the farms managed by the farmer’s father and sister — together, the family operates over 1,000 hectares of farmland. All family farms apply no-till (conservation farming) methods, which help maintain soil structure, reduce fuel use, and contribute to carbon emission reduction goals.
The farm currently operates with three tractors, a combine harvester, and a full range of tillage equipment, but the farmer plans to renew and modernise the machinery fleet to improve efficiency, reduce costs, and strengthen sustainable production practices.
According to the 2024 financial statements, the farm is profitable and financially stable. Sales revenue reached €525,278, subsidies totalled €129,844, and net profit amounted to €118,537. The farm’s equity stood at €931,248, while bank liabilities totalled €543,280, reflecting a solid financial base and the capacity to service additional financing.
The farmer is applying to the Insoil investor community for a Green Loan to support farm expansion and machinery renewal. The loan will be secured by 12.33 hectares of farmland with a productivity score of 60.5, as valued by independent appraisers, and an LTV ratio of 90%.
Main Terms
The principal will be repaid by the farmer in regular instalments over the span of 3 years in accordance with the repayment schedule.
270 hectares of land are included in the Green Loan program. It is estimated that a total of 1377 carbon certificates will be generated in 4 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 99000 EUR * 12% * 4 year = 47520 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): 7,41% IRR*
Today's scenario (€35 per carbon certificate): 12,06% IRR*
Optimistic scenario (€100 per carbon certificate): 27,9% 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."
Given the farm’s strong financial position, large-scale family farming operations, and commitment to sustainable agriculture, this project represents a low-risk, financially sound investment opportunity that supports the growth of modern, environmentally responsible farming in Lithuania."
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.