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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.
-3,999,900 kg CO2e
LT0003455
Tikslas
44,000 €
Surinkta
18,151 €
Palūkanų dydis 
12%
Reitingas
A+
Periodas
36
Liko laiko
LTV
89%
Šalis
Lithuania
Paskolos tikslas
Working capital
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas | Adresas |
|---|---|
header_1 | Deklaruotas plotas | Nuosavas plotas |
|---|---|---|
| Dirbama žemė | 593.33 ha | 347.35 ha |
| 2024 | 2023 | |
|---|---|---|
| Pajamos | 921,757.00 € | 954,757.00 € |
| Grynasis pelnas | 129,222.00 € | 110,944.00 € |
| Nuosavo kapitalo santykis | 43.68% | - |
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
The farm has been operating in the Šakiai district since 1999 and currently cultivates 593.33 hectares of land, of which 347.35 hectares are owned. The remaining land is leased under long-term agreements. The farm specializes in crop production, growing wheat, rapeseed, faba beans, and peas.
Production is carried out using sustainable strip-till (reduced tillage) technology, which helps reduce energy consumption, preserve soil structure, and maintain long-term productivity. Crop rotation and cover crops are applied to support soil balance and fertility.
The farm is equipped with a well-developed technical base, including two combine harvesters, four tractors, trailers, a fertilizer spreader, a sprayer, cultivators, grain storage facilities, and a grain dryer. This machinery enables the farm to independently perform all key field operations across large areas, reducing reliance on external service providers. The level of mechanization is in line with the needs of large-scale crop farming operations.
The capital structure ensures a sufficient share of own funds in the business, while the farm’s profitability supports a stable production cycle across its cultivated land.
The loan is intended for the acquisition of agricultural land. Expanding owned land is a key strategic direction for the farm, increasing long-term production capacity, improving field layout and logistical efficiency, and reducing dependence on leased land. Additional land ownership also contributes to asset value growth and strengthens the overall capital structure of the farm.
Collateral for the loan is an agricultural land plot of 7.62 hectares, valued at €49,200 according to the data of the State Enterprise Centre of Registers.
The farm maintains a strong repayment track record and consistently meets its financial obligations on time. Long-term operational experience, a significant share of owned land, a well-developed machinery base, and stable financial performance provide a solid foundation for further investment in land acquisition.
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.
126 hectares of land are included in the Green Loan program. It is estimated that a total of 641 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 44000 EUR * 9% * 4 year = 15840 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): 12,02% IRR*
Optimistic scenario (€100 per carbon certificate): 28,08% 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.