Create an account to make your first investment in only few steps!
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.
-4,799,880 kg CO2e
LT0003208
Goal
55,000 €
Raised
55,000 €
Return rate 
15.3%
Rating
B
Period
36
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 | 483.09 ha | 380.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 775,891.00 € | 773,213.00 € |
| Net profit | 170,704.00 € | 124,346.00 € |
| Equity ratio | 49.58% | - |
Project description
Documents
Payment schedule
FARM OVERVIEW
The farm, established in 2004 and located in the Alytus region, is one of the larger traditional arable farms in the area. The farmer currently declares 483.09 ha of agricultural land, of which 380 ha are owned outright, forming a strong asset base and providing long-term operational stability. The remaining land is cultivated under lease agreements.
According to the 2025 Crop Declaration, the farm cultivates a diverse and well-balanced crop structure. The largest share is made up of winter and spring wheat, with a combined area exceeding 100 ha. Rapeseed also occupies several large field blocks, ranging from 3.83 ha and 9.91 ha to 38.23 ha per field. Additional crops include beans, oats, peas, and areas of perennial grassland. Such diversification ensures balanced crop rotation and reduces risks associated with weather conditions or market fluctuations.
The farm is actively modernising its machinery fleet — it operates a combine harvester, several tractors, cultivators, seeders, trailers and other equipment. In recent years, the farmer has been transitioning to no-till technology, which reduces fuel consumption by up to 40%, improves soil structure and increases operational efficiency on large acreage.
FINANCIAL RESULTS
Based on the 2024 financial statements, the farm demonstrates strong and profitable performance.
Sales revenue amounted to €775,891, while net profit reached €170,704, highlighting high operational efficiency and the ability to generate stable cash flow even under volatile market conditions.
The balance sheet further confirms the farm’s strong financial position. Total assets stand at €1,638,410, largely composed of farmland, buildings, and agricultural machinery. Equity amounts to €1,324,352, while liabilities reach €653,879 — a balanced structure typical for large, capital-intensive arable farms.
PURPOSE OF FINANCING
Given the increasing operational intensity and expanding cultivated land area, the farmer is applying to the Insoil investor community for a Green Loan dedicated to strengthening working capital.
The farmer has been using Insoil services since 2021, during which time two loan agreements were concluded and fully repaid on time and in full.
The requested financing will ensure sufficient liquidity for the upcoming season, support smooth production cycles and improve day-to-day cost management.
LOAN SECURITY
To secure the loan, the farmer will pledge three privately owned land plots with a total area of 21 ha.
The valuation is based on official State Land Registry (RC) data, ensuring a high level of safety and transparency for investors.
PROJECT ASSESSMENT
This project is assessed as a low-risk and attractive investment opportunity, supported by the following factors:
- a large and consistently declared land base;
- a modernising machinery fleet and implementation of sustainable no-till farming technologies;
- strong 2024 profitability and robust net income;
- significant equity position and a strong asset foundation;
- reliable credit history and previously repaid Insoil loans;
- clear and economically justified financing purpose.
The project offers investors predictable returns and contributes to the modernisation and sustainable development of Lithuania’s agricultural sector.
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.
150 hectares of land are included in the Green Loan program. It is estimated that a total of 765 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 55 000 EUR * 12% * 4 year = 26 400 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): 10,16% IRR*
Today's scenario (€35 per carbon certificate): 15,28% IRR*
Optimistic scenario (€100 per carbon certificate): 32,52% 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.