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.
-3,743,906 kg CO2e

PL0002641

Tikslas
50,000 €
Surinkta
50,000 €
100%
Palūkanų dydis
24.4%
Reitingas
B
Periodas
36
Liko laiko
LTV
50%
Šalis
Poland
Paskolos tikslas
Working capital
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas
Adresas
Ūxxxxxxxx (-ė) Xxxxxx Xxxxxxxxxx
73-200 Xxxxxxxxx, Xxxxxxx 6/3
header_1
Deklaruotas plotas
Nuosavas plotas
Dirbama žemė250.00 ha192.00 ha
20242023
Pajamos 517,097.06 € 594,339.27 €
Grynasis pelnas - -
Nuosavo kapitalo santykis - -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas

About the farm 

The farmer has been running the farm since 1982.05.01, he took over 7 ha from his parents. He has currently expanded the farm to 250 ha, including 58 ha of lease.

He is involved in crop production, milk production and cattle breeding on the farm. The farm is run by a family and also employs one worker.

He currently has 200 milking cows, 20 young calves and 40 adult heifers and 5 bulls.

The farmer runs a sowing structure of 67 ha of corn, 19 ha of alfalfa, 21 ha of oats, 14 ha of winter barley, 129 ha of grass.

The farm uses the following machines:

-Talerzowka 6m Unia 2018

-grubber Unia 2022

-tractor New Holland tm 2006

-tractor Massey ferguson 2019

-tractor Massey ferguson 2020

-tractor New Holland 2011

-Corn harvester class 2005

-Loader JCB 2019

In the next 5 years, the farmer intends to increase milk production, increase the herd of dairy cows to 250. He plans to buy land and lease it to expand the farm to 300 ha. The plan is to buy a new tractor Massey ferguson or New Holland.

The money from the loan is to be used for current operations.

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.

117 hectares of land are included in the Green Loan program. It is estimated that a total of 947 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 50000 EUR * 12,5% * 4 year = 25000 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): 15,28% IRR*
Today's scenario (€35 per carbon certificate): 24,38% IRR*
Optimistic scenario (€100 per carbon certificate): 54,49% 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.