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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.
-5,759,856 kg CO2e
LT0003344
Tikslas
64,678 €
Surinkta
64,678 €
Palūkanų dydis 
12.2%
Reitingas
B+
Periodas
33
Liko laiko
LTV
88%
Šalis
Lithuania
Paskolos tikslas
Working capital
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas | Adresas |
|---|---|
header_1 | Deklaruotas plotas | Nuosavas plotas |
|---|---|---|
| Farming land | 182.68 ha | 80.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Pajamos | 100,335.00 € | 82,105.00 € |
| Grynasis pelnas | 2,431.00 € | -44,097.00 € |
| Nuosavo kapitalo santykis | 25.37% | - |
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
A grain farm located in the Biržai district has been operating since 2009 and specializes in the cultivation of wheat, rapeseed, and other agricultural crops. The farm’s long operating history reflects the farmer’s accumulated experience and ability to maintain stable and consistent agricultural operations under changing market and climatic conditions.
The farmer’s holdings comprise 182.68 hectares of arable land, of which 80 hectares are owned, while the remaining area is cultivated on other lawful grounds. A significant proportion of owned land provides a solid operational base, ensures business continuity, and reduces long-term risk.
The farm’s machinery fleet includes a combine harvester, a tractor, a sowing machine, a sprayer, a trailer, and other tillage equipment required for core arable farming operations. The farmer cultivates the land using no-till technology, which helps optimize costs, preserve soil structure and moisture, and supports more sustainable farming practices.
The farmer has applied to InSoil for a green loan to be used for settling obligations with suppliers and balancing working capital needs. The purpose of the loan is to ensure the smooth continuation of farm operations and the timely fulfilment of current obligations.
The loan will be secured by the pledge of three land plots with a total area of 17.63 hectares. The collateral value has been determined in accordance with data from the Centre of Registers. This collateral provides additional protection for investors and significantly reduces the overall project risk.
Taking into account the farm’s long operating history, large cultivated land area, significant proportion of owned land, sustainable farming practices, clear loan purpose, and the provided collateral, this project may be considered a reliable and moderate-risk investment opportunity for the InSoil investor community.
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.
180 hectares of land are included in the Green Loan program. It is estimated that a total of 918 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 65000 EUR * 12% * 4 year = 31200 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): 7,81% IRR*
Today's scenario (€35 per carbon certificate): 12,66% IRR*
Optimistic scenario (€100 per carbon certificate): 29,11% 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.