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.
-1,343,966 kg CO2e

PL0001850

Tikslas
13,018 €
Surinkta
13,018 €
100%
Palūkanų dydis
44.4%
Reitingas
B
Periodas
36
Liko laiko
LTV
69%
Šalis
Poland
Paskolos tikslas
Land purchase
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas Adresas
Ūxxxxxxxx (-ė) Xxxxxxxxx Xxxxxxxxx
Xxxxxxxxx 69, 63-860 Xxxxxxxxx
header_1 Deklaruotas plotas Nuosavas plotas
Dirbama žemė87.00 ha37.00 ha
20222021
Pajamos 267,259.00 € 184,554.00 €
Grynasis pelnas - -
Nuosavo kapitalo santykis - -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas

Can capital help solve climate change?

Thanks to Green Loans, a new Heavy Finance investment product, the answer is yes!

Green Loans allow you to provide financing for environmental solutions making a real positive change to our climate while making a great return on your investment. At HeavyFinance, we open the door for retail and institutional investors to the growing market of carbon certificates, offering an opportunity for a significant return with a significant impact. We encourage you to learn more about the potential of the carbon certificate market on our blog.

What are carbon certificates?

A carbon certificate is a unit of exchange that companies and organisations can use to offset their greenhouse gas emissions. One carbon certificate is equivalent to one metric ton of greenhouse gases removed from the atmosphere, and farmers engaged in no-till practice on average remove 2.3 tonnes of carbon dioxide per hectare from the atmosphere every year.

As the current market price of a single carbon certificate is within the range of 25 - 35 EUR, only one hectare of agricultural land with adopted no-till practice can generate 58 - 81 EUR per year.

As more and more companies are targeting zero net emissions goals, the demand and therefore the price of carbon certificates is expected to increase over time. Moreover, as all HeavyFinance sustainability projects are verifiable and accurately track their actual carbon dioxide sequestration, the quality of our carbon certificates can be sold at a market premium, further increasing the return on investment. Read more on carbon certificate pricing in our blog and learn why HeavyFinance provides you with the best exposure to the carbon market.

About the farm

The farmer has been running the farm with her husband since 2005, when she took it over from her parents. Since then she has expanded it from 20 hectares to 87 hectares of which 37 hectares are owned by her.

The farmer grows 35ha of wheat, 12ha of sugar beets, 10ha of winter barley, and 15ha of corn, with the rest of the land being grassland. The farmer has 55 Holstein-Friesian dairy cows, 100 heads of beef cattle of a mix of beef and HF cattle, as well as 45 heifers.
On the farm, she uses such machinery as:
  • JOHN DEER 6115M tractor (2021)
  • ZETOR tractor (2015)
  • ZETOR tractor (2016)
  • URSUS 255 tractor
  • JCB 530/70 telescopic loader (2000)
  • UNIA baler (2014)
  • PRONAR agricultural trailers (2014) x3
  • UNIA seeder unit (2012)
  • FORTSCHRITT manure spreaders T088 x2
  • KUHN plough (2012)
The farmer plans to modernize her older machinery and has applied for modernization to PROW (Rural Development Programme).
Currently, the farmer needs funds to finish building a grain storage facility. She has already the walls put up but needs funds to complete the construction that will allow her to store the crops.
This is the farmer's fourth loan (first as a green loan) out of four planned at the moment as one big financing.

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.
All 42 hectares of arable land are included in the Green Loan program. It is estimated that a total of 309 carbon certificates will be generated in 4 years (based on a conservative estimation). Consequently, investors will receive a portion of sales proceeds from every carbon certificate generated throughout the span of 4 years as the following terms:

  • 60% of income share during the loan period
  • 40% of income share for the following year after the loan period

It is expected that the first carbon certificates will be generated and sold in the fourth quarter of 2024. The exact return will depend on the amount of sequestered CO2 levels and the sale price of the carbon certificates.
If the farm withdraws from the Green Loan without a period of at least 4 years has elapsed, it undertakes to reimburse 25,8% annual interest.

CO2 emissions to be removed from the atmosphere because of this loan are equal to 1,27 million kilometres driven by an average gasoline-powered passenger vehicle.

Annualized return forecast

  • Conservative scenario (€20 per carbon certificate): 25,8% IRR*
  • Today's scenario (€35 per carbon certificate): 44,4% IRR*
  • Optimistic scenario (€100 per carbon certificate): 122,8% 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.