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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.
-4,415,889 kg CO2e
LT0003197
Goal
47,600 €
Raised
47,600 €
Return rate 
12%
Rating
A+
Period
59
Time left
LTV
90%
Country
Lithuania
Loan purpose
Land purchase
Business information
Security measures
Loan history
| Project owner | Address |
|---|---|
| header_1 | Declared | Owned |
|---|---|---|
| Farming land | 593.33 ha | 347.35 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 921,757.00 € | 954,757.00 € |
| Net profit | 129,222.00 € | 110,944.00 € |
| Equity ratio | 43.68% | - |
Project description
Documents
Payment schedule
The farm has been operating in the Šakiai district since 1999, cultivating 593.33 ha of land, of which 347.35 ha are owned. The remaining land is leased under long-term agreements. The farm specialises in crop production, growing wheat, oilseed rape, beans, and peas. Production is carried out using sustainable strip-till (reduced-tillage) technology, which ensures lower energy consumption, improved soil structure preservation, and long-term productivity. Crop rotation and intermediate cover crops are applied to maintain soil balance and fertility.
The farm’s technical base includes two combine harvesters, four tractors, trailers, a fertiliser spreader, a sprayer, cultivators, grain storage equipment, and a grain dryer. This machinery park enables the farm to perform all technological field operations independently over large areas, reducing the need for external contracting services. The level of mechanisation is suited to large-scale arable farming operations.
The capital structure ensures an adequate share of own funds in the business, while operating profitability allows the farm to sustain a stable production cycle across a substantial land area.
The invested capital is allocated for the acquisition of an agricultural land plot. Expanding the land base is a key direction for farm development, increasing long-term production capacity, improving field layout and logistical efficiency, and reducing the reliance on external services. Additional land ownership also contributes to asset value growth and strengthens the overall capital structure of the farm.
The collateral for the investment consists of an agricultural land plot: 8.1200 ha, valued at €52,900 (according to the national land registry).
The farm maintains a clean payment history and fulfils its obligations on time. Long-term operational experience, a substantial owned land base, a well-developed machinery fleet, and stable financial results provide a solid foundation for further capital deployment in the land acquisition project.
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.
138 hectares of land are included in the Green Loan program. It is estimated that a total of 1058 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 47600 EUR * 9% * 6 year = 25704 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): 7,45% IRR*
Today's scenario (€35 per carbon certificate): 12,04% IRR*
Optimistic scenario (€100 per carbon certificate): 27,58% 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.