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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.
-8,991,775 kg CO2e
LT0003173
Goal
80,900 €
Raised
6,602 €
Return rate 
12%
Rating
A
Period
60
Time left
LTV
89%
Country
Lithuania
Loan purpose
Working capital
Business information
Security measures
Loan history
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 298.99 ha | 210.46 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 275,412.00 € | 277,931.00 € |
| Net profit | 107,758.00 € | 62,426.00 € |
| Equity ratio | 83.58% | - |
Project description
Documents
Payment schedule
The crop farm, established in 1998, cultivates 298.99 ha of agricultural land, of which 210.46 ha are owned. The main crops grown are wheat, oilseed rape, beans, and peas. The farm operates under a no-till cultivation system, designed to reduce fuel and labour costs while improving long-term soil structure across the entire cultivated area.
With more than two decades of operational experience, the farm maintains a structured production cycle and consistent technological practices. A high share of owned land, a diversified crop portfolio, and no-till farming form the basis for stable production capacity.
Land structure:
- Total cultivated land: 298.99 ha
- Owned land: 210.46 ha
- Rented land: 88.53 ha
Financial data demonstrates stable activity levels and consistent capital structure.
In 2024, the farm generated €275,412 in revenue and €107,758 in net profit, with an equity ratio of 88.45%.
In 2023, revenue totalled €277,931 with €62,426 net profit and an equity ratio of 83.42%.
The machinery fleet consists of a relatively new combine harvester, three tractors, and all necessary no-till implements. This technical base enables all field operations to be performed internally, ensuring uninterrupted production and reducing reliance on contracted services.
Investment capital is allocated to working capital needs throughout the seasonal cycle. It is used to cover fuel costs, machinery service and repairs, supplier payments, labour expenses, and other ongoing operational costs incurred before harvest income is received. Working capital financing ensures continuity of operations during the pre-harvest period.
Land pledged as collateral totals €90,500 in value:
- 18.7727 ha plot – €48,500
- 9.9635 ha plot – €29,500
- 6.2917 ha plot – €12,500
The borrower maintains a clean payment history with obligations fulfilled on time. Long-term operational experience, owned land structure, and maintained financial performance support the continuity of farming activity and the intended capital utilisation.
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.
282 hectares of land are included in the Green Loan program. It is estimated that a total of 2156 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 80900 EUR * 9,5% * 6 year = 46113 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): 7,36% IRR*
Today's scenario (€35 per carbon certificate): 12,05% IRR*
Optimistic scenario (€100 per carbon certificate): 28,36% 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.
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.